The Sino-Singapore Jingwei client from June 19 (Wang Yongle) to mid-year, ushered in the housing provident fund adjustment window period. Recently, Kunming, Chongqing, Shijiazhuang, Harbin, Urumqi and many other places have issued adjustment plans for provident funds, raising the upper limit of the provident fund deposit base into a consistent operation, but the adjustment amounts vary significantly across regions.
Data map. Photo by Xiong Siyi
Increase the upper limit of the deposit base
What is the basis for the adjustment of the provident fund deposit? How to calculate individual and unit deposit?
According to the "Regulations on the Management of Housing Provident Funds", the monthly payment of employees' housing provident fund is the average monthly salary of the employee in the previous year multiplied by the employee's housing provident fund contribution rate. The monthly payment of the housing provident fund paid by the unit for the employee is the average monthly salary of the employee in the previous year multiplied by the unit housing provident fund payment ratio. The contribution rate of the employees and the unit housing accumulation fund shall not be less than 5% of the employee's average monthly salary in the previous year; cities with conditions can appropriately increase the contribution rate. The housing provident fund paid by individual employees shall be withheld and paid from the wages of the unit each month. In violation of the regulations, if the unit fails to pay or underpays the housing provident fund within the time limit, the housing provident fund management center shall order it to make a deposit within a time limit;
Judging from the regulations, the housing provident fund is closely related to the average salary of employees in the previous year. As the salary changes, the provident fund will also be adjusted accordingly. In other words, if you raise your salary in 2019, if the contribution rate remains the same, then you and the employer will pay more for the provident fund. After this year's wages remain unchanged and the new deposit plan is implemented, the wages received will become less.
According to data from the National Bureau of Statistics, the average salary of employees in urban units in 2019 was 90,501 yuan, an increase of 9.81% from 2018. Judging from the plans that have been introduced, raising the upper limit of the provident fund payment base has become a consistent operation, but there are obvious differences in the adjustment amounts across regions. For example, the increase in Kunming and Taizhou exceeded 3000 yuan, and the increase in Shijiazhuang, Handan and Jilin was less than 1,000 yuan.
Kunming: the upper limit increased by 3453 yuan
In 2020, the implementation standard for the upper limit of the base of the housing provident fund paid by unit employees is 23,516 yuan, an increase of 3,453 yuan from the previous year. The lower limit implementation standard is 1,670 yuan for the first-class area and 1,500 yuan for the second-type area, both of which are the same as the previous year.
Harbin: the upper limit increased by 2650 yuan
In 2020, the upper limit of the housing provident fund deposit base is 20,596 yuan, and the monthly deposit limit is 4,944 yuan, an increase of 2,650 yuan and 638 yuan respectively over the previous year. The lower limit standard has not been adjusted since 2017 and is divided into three levels: the first level: Harbin urban area (except Hulan District, Acheng District, and Shuangcheng District) 1680 yuan; the second level: Harbin City Hulan District, Acheng District are 1450 yuan; the third grade: Harbin Shuangcheng District, each county (city) is 1270 yuan.
Chongqing: the ceiling increased by 1988 yuan
The upper limit of the housing provident fund payment base in 2020 is 22,429 yuan, an increase of 1988 yuan from the previous year. The lower limit implementation standard shall not be lower than the current minimum wage standard, which is 1,800 yuan for the first-class area and 1,700 yuan for the second-type area, which are the same as the previous year.
Nanning: the upper limit increased by 1591 yuan
The upper limit of the monthly housing provident fund monthly payment base for 2020 is 21,658 yuan, an increase of 1,591 yuan from the previous year. The lower limit is 1810 yuan, an increase of 130 yuan.
Nanchang: the upper limit increased by 1450 yuan
In 2020, the housing provident fund deposit base should not be higher than 22,118 yuan, an increase of 1,450 yuan from the previous year. The upper limit of monthly deposits is 5308 yuan (including units and individuals), and the lower limit is 260 yuan (including units and individuals), which is an increase of 348 yuan and the same as the previous year.
Urumqi: the upper limit increased by 1253 yuan
The upper limit of the housing provident fund payment base in 2020 is 17,852 yuan per month, and the upper limit of the monthly payment amount calculated by the 12% of the employee and the unit is 4284 yuan, an increase of 1253 yuan and 300 yuan respectively from the previous year. The lower limit is 1620 yuan, and the lower limit of the monthly deposit amount calculated by the 5% deposit ratio of the employee and the unit is 162 yuan, which is the same as the previous year.
Shijiazhuang: the upper limit increased by 769 yuan
The highest housing provident fund deposit base for 2020 is 19,245 yuan, and the lowest is 3,849 yuan. Compared with the previous year, they increased by 769 yuan and 154 yuan.
Jilin: the ceiling increased by 621.5 yuan
The upper limit of the employee housing provident fund payment base in 2020 is 17,111.75 yuan, an increase of 621.5 yuan from the previous year. The lower limit is 60% of the city's average monthly salary of employees in 2019, which is 3422.35 yuan, an increase of 124.3 yuan compared with the previous year.
7 provinces provide housing provident fund over 100 billion
Recently, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, and the Central Bank jointly released the "National Housing Provident Fund Annual Report 2019" (hereinafter referred to as the "Annual Report"), which disclosed the operation of the 2019 National Housing Provident Fund.
The "Annual Report" shows that in 2019, the housing provident fund payment amounted to 2,370.967 billion yuan, the withdrawal amount was 1,628.178 billion yuan, and personal housing loans were issued to 1,213.906 billion yuan. As of the end of 2019, the cumulative total of housing provident fund deposits was 16.9607666 trillion yuan, and the paid balance was 65372.43 billion. Yuan, the balance of funds was 946.152 billion yuan, up 16.25%, 12.84% and 17.93% respectively over the end of the previous year; as of the end of 2019, the accumulative total amount of housing provident fund withdrawal was 104235.23 billion yuan, accounting for 61.46% of the total accumulated deposit.
In terms of deposits in 2019, Guangdong (259.206 billion yuan), Beijing (221.355 billion yuan), Jiangsu (203.98 billion yuan), Zhejiang (159.928 billion yuan), Shanghai (153.357 billion yuan), Shandong (130.797 billion yuan), Seven provinces including Sichuan (110.284 billion yuan) exceeded 100 billion yuan.
Judging from the total accumulated deposits as of the end of 2019, Guangdong (17852.71 billion yuan), Beijing (15309.92 billion yuan), Jiangsu (138.386 billion yuan), Shanghai (110.876 billion yuan), Zhejiang (1,0979.22 billion yuan) and other five provinces exceeded 10,000. Billion.
The "Annual Report" also shows that in 2019, the housing provident fund paid employees were 14.88138 million, an increase of 3.08% over the previous year; the housing provident fund withdrawals were 56.458 million, accounting for 37.96% of the paid employees; the withdrawal amount was 16.281178 billion yuan, compared with the previous year. The annual growth rate is 10.46%; the extraction rate is 68.67%, a decrease of 1.34 percentage points from the previous year.
How to check the provident fund deposit and payment records?
Taking Beijing as an example, depositors who have applied for a housing provident fund co-branded card can use the Beijing Housing Provident Fund Network (gjj.beijing.gov.cn), the "Beijing Provident Fund" app, the "Beijing Tong" app, and the "Beijing Provident Fund" WeChat public No., 12329 Housing Provident Fund Hotline, Alipay APP, self-inquiry machine for joint card issuing banks, housing provident fund business counter (management department or entrusted bank agency), Beijing Government Service Network (banshi.beijing.gov.cn), China Government Service The platform (www.gjzwfw.gov.cn) and other ten ways to check the name, account number, deposit amount, withdrawal amount, etc.
Depositors who have not applied for a housing provident fund co-branded card can use the "Beijing Link" APP, Alipay APP, housing provident fund business counter (management department or entrusted bank agency), and China's government service platform (www.gjzwfw.gov.cn). Query in various ways. (Sino-Singapore Jingwei APP)
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