How to pay Beijing provident fund
Recently, Beijing's provident fund policy has become a hot topic, and many citizens are concerned about how to correctly pay provident funds. This article will introduce in detail the payment methods, proportions, processes and frequently asked questions of Beijing's provident fund to help everyone better understand and use the provident fund.
1. Beijing Provident Fund Contribution Ratio
The contribution ratio of Beijing Provident Fund is shared by units and individuals. The specific ratio is as follows:
| depositor | Proportion |
|---|---|
| unit | 5%-12% |
| personal | 5%-12% |
Note: The contribution ratio of the unit and the individual must be consistent, and the specific ratio is determined by the unit based on the actual situation.
2. Beijing provident fund deposit base
The contribution base of the provident fund is usually the employee’s average monthly salary in the previous year, but it must be within the specified range:
| Project | Standard |
|---|---|
| Minimum deposit base | Beijing’s minimum wage standard (2,320 yuan in 2023) |
| Maximum deposit base | Three times the average monthly salary of employees in Beijing in the previous year (31,884 yuan in 2023) |
3. Beijing provident fund payment process
1.Unit account opening: The unit needs to go through the account opening procedures at the Beijing Housing Provident Fund Management Center and submit business license, legal person ID card and other materials.
2.Employee registration: The unit handles provident fund accounts for new employees and provides employee ID cards, labor contracts and other information.
3.Monthly deposit: The unit deposits the provident funds payable by the unit and individuals into employee accounts every month through bank withholding or online deposit.
4.Inquiry and verification: Employees can check the payment records through the Beijing Provident Fund official website or APP to ensure that the amount is accurate.
4. Frequently Asked Questions
Q1: Can provident fund be paid back?
A: Yes. If the unit fails to pay the deposit in time for any reason, it must submit a back payment application and go through the back payment procedures after review.
Q2: Can the Provident Fund contribution ratio be adjusted?
A: Yes. The unit can adjust the contribution ratio once a year, and it must reach an agreement with its employees and report it to the provident fund management center for record.
Q3: How to deal with the provident fund after leaving the company?
A: After leaving the company, the provident fund account can be sealed until the new employer renews the payment; or it can be withdrawn when conditions are met.
5. Summary
Contributions to the Beijing Provident Fund are an important part of employee welfare. Understanding the contribution ratio, base and process will help protect your own rights and interests. Units should make timely and full deposits in accordance with regulations, and employees should also check account information regularly to ensure that deposits are accurate.
Through the introduction of this article, I hope it can help everyone better understand the deposit rules of Beijing Provident Fund and plan their personal finances reasonably.
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