How to pay Jinhua personal provident fund
Provident fund is an important social security system. It is crucial for Jinhua citizens to understand how to pay personal provident fund. This article will introduce in detail the payment methods, procedures, precautions and related data of Jinhua’s personal provident fund to help you better understand and operate.
1. Jinhua personal provident fund payment methods
The payment of personal provident funds in Jinhua is mainly divided into two methods: payment by the unit and voluntary payment by individuals. Here are the specific instructions:
| Payment method | Applicable people | Payment ratio | Remarks |
|---|---|---|---|
| Payment by the unit | Current employees | Unit 5%-12%, individual 5%-12% | Units and individuals pay jointly in proportion |
| Individual voluntary payment | Flexible employment personnel, individual industrial and commercial households | 5%-12% (optional) | Need to go to the provident fund management center to apply |
2. Jinhua personal provident fund payment process
The following is the specific process for Jinhua personal provident fund payment:
| steps | Operation content | Materials required |
|---|---|---|
| 1 | Organizations or individuals can open an account at the Jinhua Provident Fund Management Center | ID card, labor contract (business license required for payment by the unit) |
| 2 | Fill out the "Housing Provident Fund Payment Registration Form" | Personal or organizational information form |
| 3 | Determine the deposit base and proportion | Proof of salary (paid by the unit) |
| 4 | Pay provident fund monthly | Bank withholding or on-site payment |
3. Things to note when paying Jinhua’s personal provident fund
When paying provident fund, you need to pay attention to the following points:
1.Deposit base: The deposit base of Jinhua Provident Fund is generally the average monthly salary of employees in the previous year. The minimum shall not be lower than the local minimum wage standard and the maximum shall not exceed 3 times the local average wage.
2.Deposit ratio: The deposit ratio of units and individuals must be consistent, ranging from 5% to 12%. The specific ratio is chosen by the unit or individual independently.
3.Pay back: If you fail to pay on time for some reason, you can apply for back payment, but you need to provide relevant supporting materials.
4.Extraction conditions: The provident fund can be used for house purchase, renting, renovation, serious illness medical treatment, etc. Relevant conditions must be met when withdrawing.
4. Frequently Asked Questions about Jinhua Personal Provident Fund
The following are frequently asked questions and answers from Jinhua citizens regarding provident fund payment:
| question | Answer |
|---|---|
| Can an individual pay provident fund alone? | Yes, flexible employment personnel and self-employed individuals can pay voluntarily. |
| Can the Provident Fund contribution ratio be adjusted? | Yes, it can be adjusted once a year and needs to be handled at the Provident Fund Management Center. |
| What will be the impact of discontinuing provident fund contributions? | Suspension of payment may affect loan application, so it is recommended to make up payment in time. |
5. The latest developments in Jinhua Provident Fund policies
According to the latest notice from the Jinhua Housing Provident Fund Management Center, the Jinhua Provident Fund policy will have the following adjustments in 2023:
1.Loan limit increase: The maximum loan amount for a single person is increased from 400,000 yuan to 500,000 yuan, and a couple can borrow up to 800,000 yuan.
2.Relaxation of extraction conditions: The threshold for withdrawing provident funds from renting a house has been lowered, and no rental contract is required.
3.Mutual recognition of deposits and deposits in different places: Provident fund payment records between Jinhua and other cities in the province can be mutually recognized, making it easier to buy houses in different places.
6. Summary
The payment methods of Jinhua's personal provident fund are flexible and diverse. Whether it is payment by the employer or voluntary payment by individuals, you need to understand the relevant policies and procedures. Through the introduction of this article, I hope it can help you better understand the payment method of Jinhua’s personal provident fund and reasonably plan your personal housing security.
If you have other questions, you can go to the Jinhua Housing Provident Fund Management Center for consultation, or call the service hotline: 12329.
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