Housing accumulation fund is a compulsory savings system set up to help employees solve their housing problems, which is one of the benefits of employees. According to the Regulations on the Management of Housing Provident Fund, employees should pay 8% to 12% of their wages as housing provident fund. The specific payment ratio is paid by the unit and employees respectively, generally 6% for the unit, 6% for the individual employees, and 12% for the total. However, due to the different economic levels and consumption levels in different places, the contribution ratio of different regions and different units may be different, but it is generally between 1% and 12%. It is worth noting that according to the Regulations of the People's Republic of China on Housing Provident Fund, enterprises under restricted conditions can postpone the payment of housing provident fund. The longest deferred payment period is not more than one year, but interest needs to be paid, and it must be paid in one lump sum when employees leave their jobs or enterprises go bankrupt and liquidate.
has the proportion of housing provident fund been adjusted? The payment ratio of housing provident fund is a standard set by the state and generally will not be adjusted frequently. However, in the case of great changes in the economic situation and social development, appropriate adjustments may be made. At present, some areas have begun to gradually implement the flexible payment policy, that is, the payment ratio can be adjusted according to the employees' own needs and economic conditions.
The proportion of housing accumulation fund is generally about 12%, of which units and individuals each pay 6%. Different regions and different units may be different, but they are generally between 1% and 12%. Enterprises should pay housing provident fund in strict accordance with state regulations to protect the rights and interests of employees.
Legal basis:
Regulations on the Administration of Housing Provident Fund Article 2 These Regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in the People's Republic of China. The term "housing provident fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter referred to as units) and their employees. Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees. Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, storage in special bank accounts and financial supervision.