Note that your housing provident fund may have gone up!

　　Zhongxin. com, July 29 (Zhongxin Finance reporter Li Jinlei) On July 28, "Beijing’s housing provident fund deposit ceiling was greatly raised" was on the hot search.

　　The reporter of Zhongxin Finance and Economics noted that since July 2022, the deposit base of housing provident fund has been adjusted in many places, and the upper and lower limits of the new deposit base have been clarified. Many people’s housing provident fund has also ushered in an increase.

　　Adjust the upper and lower limits of the housing provident fund deposit base in many places

　　At present, Beijing, Shanghai, Guangzhou, Shenzhen and other places have adjusted the upper and lower limits of the housing provident fund deposit base.

　　Among them, the Beijing Housing Provident Fund Management Committee Office issued a notice on the 28 th. Since July 1, 2022, the upper limit of the annual housing provident fund deposit base for 2022 housing provident fund is 31,884 yuan; The minimum monthly deposit base is 2320 yuan.

　　The upper limit of the monthly deposit amount corresponding to the deposit ratio of each housing provident fund in Beijing.

　　The upper limit of the deposit base is 3,663 yuan higher than 28,221 yuan in 2021. If the deposit ratio is 12%, the maximum monthly deposit can be 7652 yuan, of which the unit and individual each pay 3826 yuan, and the monthly deposit amount is 878 yuan higher than the upper limit of last year. If the minimum deposit is 5%, then the upper limit of the monthly deposit is 3188 yuan, of which the unit and individual each pay 1594 yuan.

　　In addition, the maximum deposit base of Shanghai housing provident fund and supplementary housing provident fund is not more than 34,188 yuan, and the minimum is not less than 2,590 yuan. The upper limit of the monthly deposit of the housing provident fund is 4,786 yuan, and the lower limit is 362 yuan according to the deposit ratio of 7% for the employees themselves and the units respectively.

　　The upper and lower limits of the monthly deposit of Shanghai housing provident fund in 2022.

　　Guangzhou has made it clear that the adjusted deposit base is not lower than the minimum wage standard of this city (the current standard is 2,300 yuan), and it is not higher than three times the average monthly salary of employees in the city in 2021, that is, 36,072 yuan.

　　Shenzhen has made it clear that the adjusted deposit base shall not exceed three times the average monthly salary of employees in the city in 2021 announced by the statistics department of this municipality, that is, it shall not exceed 38,892 yuan. The adjusted deposit base of employees who have been employed in the unit before January 1, 2022 shall not be lower than the monthly minimum wage of the city in the previous year of 2,200 yuan, and the deposit base of new employees and newly transferred employees after January 1, 2022 shall not be lower than the monthly minimum wage of the city in 2022 of 2,360 yuan.

　　It can be seen that the housing provident fund can’t be paid as much as you want, and it can’t be too low or too high. The upper limit of the deposit base is generally three times the average monthly salary of employees in the previous year, while the lower limit is generally the local minimum wage.

　　Your housing provident fund deposit base may change from July.

　　The new upper and lower limits of housing provident fund deposit base are announced in various places, but whether the amount of housing provident fund deposit of individual employees changes depends on whether your housing provident fund deposit base has been adjusted.

　　According to the Regulations on the Management of Housing Provident Fund, the monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund.

　　When will the base of housing provident fund deposit be adjusted? Generally, it is July every year, because the housing provident fund is adjusted from July 1 of that year to June 30 of the next year.

　　Therefore, starting from July 2022, the deposit base of housing provident fund in many places will be adjusted to the average monthly salary of employees themselves in 2021.

　　For example, Shanghai has made it clear that the deposit base of employee housing provident fund will be adjusted from the average monthly salary in 2020 to the average monthly salary in 2021. Guangzhou made it clear that the deposit base of housing provident fund was adjusted to the average monthly salary of employees in 2021. Shenzhen has made it clear that from July 1, 2022, all housing provident fund deposit units should adjust and implement the adjusted housing provident fund deposit base, which is the average monthly salary of employees in 2021.

　　Therefore, if your average monthly salary increases in 2021, your monthly contribution of housing provident fund will also increase if the contribution ratio of housing provident fund does not decrease.

　　For example, if your average monthly salary is 8,000 yuan in 2020, it will rise to 9,000 yuan in 2021, and the contribution ratio has always been 12%. After the adjustment of the contribution base, the total monthly contribution of me and my company will rise from 1,920 yuan (960 yuan for individuals and 1,080 yuan for units respectively) to 2,160 yuan (240 yuan for individuals and units respectively).

　　How to check whether the deposit base of your housing provident fund has increased?

　　The query methods are diverse.

　　You can check your own salary slip or consult with the handling personnel of the unit for confirmation. You can also check online, enter the official website or APP of the local provident fund management center, and log in to your personal provident fund account to check. Or through third-party applications such as Alipay, you can also call the housing provident fund hotline 12329 for telephone inquiry.

　　You can also choose offline inquiry and bring ID cards and other documents to the service hall of the local housing provident fund management center for inquiry. How much do you pay into the housing provident fund every month?