Chinanews.com, July 29th (Zhongxin Finance and Economics reporter Li Jinlei) On July 28th, "Beijing housing provident fund deposit cap has been greatly increased" on the hot search.
Zhongxin Finance reporter noticed that since July 2022, the housing provident fund payment base has been adjusted in many places, the new upper and lower limits of the payment base have been clarified, and the housing provident fund of many people has also ushered in an increase.
Adjustment of the upper and lower limits of the housing provident fund payment base in many places
At present, Beijing, Shanghai, Guangzhou, Shenzhen and many other places have adjusted the upper and lower limits of the housing provident fund payment base.
Among them, the Office of the Beijing Housing Provident Fund Management Committee issued a notice on the 28th that from July 1, 2022, the upper limit of the annual housing provident fund payment base for the 2022 housing provident fund is 31,884 yuan; the lower limit of the monthly payment base is 2,320 yuan.
The upper limit of the monthly payment amount corresponding to each housing provident fund payment ratio in Beijing.
The upper limit of the deposit base is 3,663 yuan higher than the 28,221 yuan in 2021.
If the deposit ratio is 12%, the maximum monthly deposit is 7,652 yuan, of which units and individuals each pay 3,826 yuan, and the monthly deposit amount is 878 yuan higher than the upper limit of the previous year.
If the minimum 5% deposit is made, then the upper limit of the monthly deposit amount is 3188 yuan, of which units and individuals pay 1594 yuan each.
In addition, the maximum payment base of Shanghai housing provident fund and supplementary housing provident fund shall not exceed 34,188 yuan, and the minimum shall not be less than 2,590 yuan.
The housing provident fund has an upper limit of 4,786 yuan and a lower limit of 362 yuan for the monthly payment corresponding to the 7% contribution ratio of the employee and the unit.
The upper and lower limits of the monthly payment of Shanghai housing provident fund in 2022.
Guangzhou clarified that the adjusted payment base shall not be lower than the city's minimum wage standard (the current standard is 2,300 yuan), and not higher than three times the average monthly salary of the city's on-the-job workers announced by the city's statistics department in 2021, that is, 36,072 yuan.
Shenzhen has made it clear that the adjusted payment base shall not exceed three times the average monthly salary of the city's on-the-job employees in 2021 announced by the city's statistics department, that is, not more than 38,892 yuan.
The adjusted payment base of employees who have been employed in the unit before January 1, 2022 shall not be lower than the city's monthly minimum wage standard of 2,200 yuan in the previous year, and the payment and deposit of newly joined employees and newly transferred employees after January 1, 2022 The base shall not be lower than the city's monthly minimum wage of 2,360 yuan in 2022.
It can be seen that the housing provident fund is not as much as you want to pay. It cannot be too low or too high. The upper limit of the payment base is generally three times the average monthly salary of the employees in the previous year, and the lower limit is generally the local minimum wage standard.
Your housing provident fund payment base may change from July
The new upper and lower limits of the housing provident fund payment base are announced in various places, but whether the personal housing provident fund payment amount of employees changes depends on whether your housing provident fund payment base is adjusted.
According to the "Regulations on the Administration of Housing Provident Fund", the monthly payment of the employee's housing provident fund is the average monthly salary of the employee in the previous year multiplied by the employee's housing provident fund payment ratio.
When will the housing provident fund payment base be adjusted?
Usually in July every year, because the housing provident fund is adjusted from July 1 of the current year to June 30 of the next year as an annual unit.
Therefore, starting from July 2022, the housing provident fund payment base in many places will be adjusted to the average monthly salary of the employees themselves in 2021.
Data map: Beijing Housing Provident Fund Management Center.
Photo by China News Service reporter Li Jinlei
For example, Shanghai has made it clear that the payment base of the housing provident fund for employees will be adjusted from the average monthly salary in 2020 to the average monthly salary in 2021.
Guangzhou has made it clear that the housing provident fund payment base is adjusted to the average monthly salary of the employees themselves in 2021.
Shenzhen clarified that from July 1, 2022, all housing provident fund payment units shall adjust and implement the adjusted housing provident fund payment base, which is the average monthly salary of employees in 2021.
Therefore, if your average monthly salary in 2021 increases, your monthly housing provident fund contribution will also increase without reducing the housing provident fund contribution ratio.
For example: if your average monthly salary in 2020 is 8,000 yuan, and it rises to 9,000 yuan in 2021, the deposit ratio has always been 12%. and 960 yuan for units) rose to 2,160 yuan (1,080 yuan for individuals and 1,080 yuan for units), an increase of 240 yuan.
How can I check whether my housing provident fund payment base has increased?
There are various ways to query.
You can check your own salary slip or consult with the manager of the unit for confirmation.
You can also inquire online, enter the official website or APP of the local provident fund management center, and log in to your personal provident fund account to inquire.
Or through third-party applications such as Alipay, you can also call the housing provident fund hotline 12329 for telephone inquiries.
You can also choose offline inquiry, bring your ID card and other documents to the service hall of the local housing provident fund management center to inquire.
How much do you pay in housing provident fund every month?
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