Original title: The new deal for multi-city provident fund 7 raised the lower limit of the deposit base
China-Singapore Jingwei, December 6th (Zhang Meng) According to incomplete statistics, recently, Shenyang, Changchun, Guangzhou, Jinan, Taiyuan, Hohhot, Zhengzhou, Xi’an, Lanzhou, Xining, Yinchuan, Hefei, Zhuhai, Jiaxing, Maoming, Shaoguan 17 cities such as Baotou and Baotou have issued a new provident fund policy. The lower limit of the payment and deposit base has been raised in many places, and flexible employees in Guangzhou and Hefei can also participate in the housing provident fund payment and deposit.
Mutual recognition and mutual loan of provident fund in 8 cities along the Yellow River
On December 3, eight cities along the Yellow River (Jinan, Taiyuan, Hohhot, Zhengzhou, Xi’an, Lanzhou, Xining, Yinchuan) held a strategic cooperation meeting on the high-quality development of housing provident funds in the Yellow River Basin. Housing provident funds can be mutually recognized and loaned in different places.
The main person in charge of the above-mentioned 8 cities housing provident fund center signed a strategic cooperation agreement online, and reached cooperation on the establishment of long-term work, information sharing and application, mutual recognition and mutual loan, service standard improvement, policy research and talent education mechanism.
Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, told reporters from China-Singapore Jingwei that the mutual recognition and mutual loans of provident funds are generally more common in urban agglomerations, which conforms to the rules and needs of the use of provident funds in urban agglomerations. But similar to the eight cities along the Yellow River, the mutual recognition and mutual loans of provident funds in different places are actually larger than the area of urban agglomerations in terms of geographic or regional scope. But the logic is similar, that is, cities are open to each other and promote the interoperability of provident fund resources, which will help provide better circulation of provident fund resources and better support the release of reasonable housing demand.
Yan Yuejin predicts that relevant provinces and cities, such as prefecture-level cities, will also join in the follow-up, which will play a positive role in improving the provident fund system and functioning.
7 The lower limit of the ground-up payment and deposit base
A review found that since December, Guangzhou, Changchun, Zhuhai, Jiaxing, Maoming, Shaoguan, Baotou and other places have all raised the lower limit of the provident fund payment base, and the lower limit of the provident fund payment amount has been increased.
Specifically, starting from December, the lower limit of the Guangzhou housing provident fund payment base has been adjusted from 2,100 yuan to 2,300 yuan. The lower limit of the housing provident fund payment base in Changchun urban area was adjusted from 1780 yuan to 1880 yuan. Changchun Shuangyang District, Jiutai District, Yushu City, Dehui City, Nong’an County, Gongzhuling City, the lower limit of the housing provident fund payment base was adjusted from 1,480 yuan to 1,540 yuan. Zhuhai made it clear that starting from December, the lower limit of the provident fund payment base has been adjusted from 1,720 yuan to 1,900 yuan, and the lower limit of the provident fund payment amount has been adjusted from 172 yuan to 190 yuan.
According to regulations in Maoming and Shaoguan, starting from December, the minimum payment and deposit base of employee provident fund has been adjusted from 1410 yuan to 1620 yuan, and the minimum monthly payment is 162 yuan; Baotou requires that the monthly payment base of employees’ wages shall not be lower than the city’s minimum wage standard. 1980 yuan; Jiaxing made it clear that since December, the housing provident fund management department will uniformly increase the payment base to the minimum wage standard for employees whose payment base has not reached the minimum wage standard (2070 yuan/month).
Yan Yuejin said that in general, from the perspective of the provident fund function, it is a good thing to be able to pay more, which will help to expand the scope and authority of the employee provident fund in the future. The increase in the lower limit of the deposit of such provident funds can better expand the rights and interests of employees and help to better play the role of provident funds.
The maximum loanable amount of the first home has been raised
In addition to raising the lower limit of the deposit base, individual provinces and cities are also actively attracting high-level talents and adjusting the amount of first housing provident fund loans for high-level talents.
On November 30, the Henan Provincial Housing Provident Fund issued the “Interpretation of the Supporting Policies for the Housing Provident Fund for High-level Talents in Provincial Units.” Among them, both high-level talented couples have deposited at the provincial direct funding center for more than 6 months (including 6 months), and the family purchases the first self-occupied house in the urban area of Zhengzhou, and the maximum loan amount is increased by 50% on the basis of 800,000 yuan. , The maximum loan amount is 1.2 million yuan.
Except for Henan, on September 8, the Shenyang Housing Provident Fund Management Center issued the “Shenyang City High-level Talent Housing Provident Fund Support Policy Implementation Rules.” High-level talents and other qualified talents who have been identified for the first time use housing provident fund loans to purchase the first self-occupied house in Shen, the loan limit can be relaxed to 1.5-4 times the maximum loan limit for the current period. The maximum limit of loans for Shenyang’s high-level talents and other qualified talents that have been identified is between 600,000 and 2.4 million.
In Yan Yuejin’s view, the increase in the provident fund loan quota is itself related to the provident fund reform. There is a slight difference between the provident fund and commercial bank loan policies. In the past two years, the provident fund hopes to maintain a loose policy. Similar to the increase in the provident fund loan line, to a large extent the protection of the employees’ rights and interests in housing purchases will help to better promote housing transactions.
Flexible employees can participate in the housing provident fund deposit
With economic development, more and more people choose to be freelancers. In order to satisfy the legitimate rights and interests of flexible employment groups, Guangzhou and Hefei have also begun to allow them to deposit provident funds in their own names.
Starting from December 1, Hefei flexible employment personnel can deposit housing provident fund in their own name and enjoy preferential loan policies. The monthly payment base refers to the social insurance payment and deposit base, which is declared by the individual and can be adjusted once a year. The payment and deposit ratio is 5%-12%.
In addition, on November 26, the “Guangzhou Municipal Flexible Employment Personnel Participation in the Pilot Management Measures of the Housing Provident Fund System” was implemented. Those who have reached the age of 16 and have not reached the legal retirement age in Guangzhou and are employed in self-employed, part-time, or new forms of flexible employment Persons with full capacity for civil conduct can voluntarily participate in the housing provident fund system, sign a deposit agreement to pay the housing provident fund, and enjoy the same personal income tax reduction and exemption as compulsory deposits for employees, government-funded housing, and point-to-household public service policies and monthly Convenience measures such as rent repayment.
Yan Yuejin believes that the current reform direction for the deposit of provident funds is clear, that is, hope to expand coverage, especially flexible employees who can pay provident funds. It is also a guarantee for the rights and interests of such groups and is worthy of recognition. (China-Singapore Jingwei APP)
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