Zhengzhou provident fund Zhengzhou provident fund

2022-07-22
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1 Zhengzhou provident fund deposit

(1) about the minimum deposit base of Zhengzhou provident fund. For the deposit base of Zhengzhou housing provident fund, we haven't seen the official specification document on the website of Zhengzhou housing provident fund management center. However, in the accumulation fund collection column of its business handling, there is an article "Q & A on the management knowledge of housing accumulation fund collection". In this article, we found the Q & A on the minimum accumulation fund deposit base. According to this question and answer, the deposit base of Zhengzhou provident fund is paid according to the employee's average monthly salary of the previous year. The deposit base is verified once a year. If it needs to be changed, it should be adjusted in July every year. Also, the minimum deposit base must not be lower than the minimum wage of the previous year. According to these answers, combined with the 2017 notice of the people's Government of Henan Province on adjusting the minimum wage standard of Henan Province, it stipulates that the minimum wage standard of Zhengzhou is 1720 yuan. Therefore, we can conclude that the minimum base of provident fund deposit in Zhengzhou in 2018 should be 1720 yuan

(2) about the deposit ratio. It is also in the "Q & A on housing provident fund collection management knowledge". It stipulates that the contribution ratio of Zhengzhou provident fund is 5%-12%, and the contribution ratio of enterprise provident fund can fluctuate within this range. However, there is another additional provision, that is, if the wages of employees exceed the average wage level of Zhengzhou last year, the deposit ratio of units and employees shall not be less than 10%; If the wages of employees in the previous year reached more than 80% of the average wages of employees in the city in the previous year, the deposit ratio should not be less than 8%. According to our inquiry, the average salary of Zhengzhou last year was 61149 yuan. Combined with the regulations, if the monthly salary of the previous year exceeds 5096 yuan, the deposit proportion shall be at least 10%; If the salary exceeds 4076 yuan, the deposit proportion shall be at least 8%

(3) about the deposit limit. In terms of the deposit ceiling, Zhengzhou has made the same regulations as other cities, that is, it is not allowed to exceed three times the per capita wage of the previous year. According to the per capita wage of Zhengzhou last year, the upper limit of the deposit base in 2018 should be 15287 yuan

2 Zhengzhou provident fund inquiry

(1) website inquiry. Users who need to inquire about the provident fund can inquire through the official website of Zhengzhou housing provident fund management center

(2) wechat query. Users who need to query the provident fund can follow the wechat official account "Zhengzhou housing provident fund", and then query through the personal center under the menu bar

(3) telephone inquiry. The inquiry number of Zhengzhou housing provident fund is 12329, and the service hours are 9:00-12:00 a.m. and 13:00-17:00 p.m. on weekdays

(4) service outlet inquiry. Employees who pay the provident fund can also inquire through the business handling outlet of Zhengzhou housing provident fund management center

3 Zhengzhou provident fund loan

(1) the person applying for provident fund loan does not need to be a Zhengzhou registered permanent residence. As long as the housing provident fund has been paid in full and on time for more than 6 months (including), and the recent unpaid provident fund cannot exceed 4 months

(2) as for the loan limit, the maximum loan is 400000 (single person) and 600000 (husband and wife). Moreover, the amount of the loan cannot exceed 80% (first set), 70% (second set) and 60% (second-hand house) of the total price of the real estate. In addition, provident fund loans are not provided for those who purchase the third suite

(3) for the loan term. The maximum loan term of using the provident fund is 30 years (new house). For second-hand housing loans, if the second-hand housing has been built for more than 20 years, the loan term is up to 15 years; if it does not exceed 20 years, the loan term is up to 20 years

4 Zhengzhou provident fund picture

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