According to incomplete statistics, a few days ago, Shenyang, Changchun, Guangzhou, Jinan, Taiyuan, Hohhot, Zhengzhou, Xi 'an, Lanzhou, Xining, Yinchuan, Hefu, Zhuhai, Jiaxing, Maoming, Shaoguan, Baotou and other cities 17 issued a new provident fund policy. The lower limit of the deposit base is raised in many places, and flexible employees in Guangzhou and Hefei can also participate in the housing provident fund deposit.
Mutual recognition and mutual loan of provident funds in 8 cities along the Yellow River
On February 3, 65438, 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 fund in the Yellow River basin, and the housing provident fund could be recognized in different places.
The main leaders of the housing provident fund centers in the above eight cities 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, improvement of service standards, policy research, and talent education mechanism.
Yan Yuejin predicted that relevant provinces and cities such as prefecture-level cities will also join in, which will play a positive role in perfecting the provident fund system and giving full play to its functions.
7. Raise the lower limit of deposit base.
It is found that from 65438+February, Guangzhou, Changchun, Zhuhai, Jiaxing, Maoming, Shaoguan, Baotou and other places have raised the lower limit of the provident fund deposit base, and the lower limit of the provident fund deposit amount has increased.
Specifically, starting from 65438+February, the lower limit of Guangzhou housing provident fund deposit base was adjusted from 2 100 yuan to 2300 yuan. The lower limit of the deposit base of housing provident fund in Changchun urban area is adjusted from 1780 yuan to 1880 yuan. The lower limit of the deposit base of housing provident fund in Shuangyang District, Jiutai District, yushu city, dehui city, Nongan County and Gongzhuling City was adjusted from 1.48 yuan to 1.54 yuan. Zhuhai has made it clear that starting from 65438+February, the lower limit of provident fund deposit base will be adjusted from 1720 yuan to 1900 yuan, and the lower limit of provident fund deposit will be adjusted from 172 yuan to 190 yuan.
Maoming and Shaoguan stipulate that from 65438+February, the minimum deposit base of employee provident fund will be adjusted from 14 10 yuan to 1620 yuan, and the minimum monthly deposit will be 162 yuan; Baotou requires that the monthly salary base of employees shall not be lower than the minimum wage standard of this city 1980 yuan; Jiaxing has made it clear that since June+February, 5438, the housing provident fund management department will uniformly raise the deposit base to the minimum wage standard for employees whose deposit base does not reach the minimum wage standard (2070 yuan/month).
Yan Yuejin said that in general, from the function of provident fund, it is a good thing to pay more, which will help expand the scope and authority of employee provident fund in the future. Raising the deposit limit of this kind of provident fund can better expand the rights and interests of employees and help to give full play to the role of provident fund.
The maximum loanable amount of the first suite is raised.
In addition to raising the lower limit of the deposit base, some provinces and cities also actively attract high-level talents and adjust the first set of housing provident fund loans for high-level talents.
165438+1On October 30th, Henan Provincial Housing Provident Fund issued "Interpretation of Supporting Policies of Housing Provident Fund for High-level Talents in Provincial Units". Among them, high-level talented couples have paid in the provincial capital center for more than 6 months (including 6 months), and the family bought the first set of self-occupied housing in Zhengzhou city. The maximum loan amount is increased by 50% on the basis of 800,000 yuan, and the maximum loan amount is 6.5438+0.2 million yuan.
In addition to Henan, on September 8th, Shenyang Housing Provident Fund Management Center issued the Detailed Rules for the Implementation of Housing Provident Fund Support Policies for High-level Talents in Shenyang. If high-level talents and other qualified talents use housing provident fund loans to purchase the first self-occupied housing in Shenyang for the first time, the loan amount can be relaxed to 65438+ 0.5-4 times of the maximum loan amount in the current period. The maximum amount of provident fund loans for high-level talents and other qualified talents in Shenyang is between 600,000 and 2.4 million yuan.
In Yan Yuejin's view, the increase in the amount of provident fund loans is related to the reform of the provident fund itself. Provident fund and commercial bank loan policies are slightly different. In the past two years, the provident fund hopes to maintain a loose policy. Similar to the increase in the amount of provident fund loans, it largely protects the rights and interests of employees to buy houses and helps to better promote housing transactions.
Flexible employees can participate in the housing provident fund deposit.
With the development of economy, more and more people choose to be freelancers. In order to meet the legitimate rights and interests of flexible employment groups, Guangzhou and Hefei have also begun to allow them to pay provident fund in their own names.
From 65438+February 1, flexible employees in Hefei can deposit housing provident fund in their own names and enjoy preferential loan policies. The monthly payment base refers to the social insurance payment base, which is declared by individuals and can be adjusted once a year, and the payment ratio is 5%- 12%.
In addition, on June 26th, 165438+ "Measures for the Administration of Flexible Employees Participating in Housing Provident Fund System in Guangzhou" was implemented. In Guangzhou, any person with full capacity for civil conduct who has reached the age of 16 but has not reached the statutory retirement age and is employed flexibly by self-employed, part-time or in a new format can voluntarily participate in the housing provident fund system, sign a deposit agreement, and pay the housing provident fund, enjoying the same personal status as the employees who are forced to pay.
Yan Yuejin believes that the current direction of reform is clear, that is, to expand coverage, especially flexible employees can pay provident fund, which is also a guarantee for the rights and interests of such groups and is worthy of recognition. (Zhongxin Jingwei)