The debate about the retention or abolition of provident fund still exists. 25 cities adjusted the payment base.

By the middle of the year, the housing accumulation fund of 65.438+0.49 billion wage earners ushered in a new round of adjustment window.

According to the incomplete statistics of Time Weekly reporters, as of June 22nd, 25 cities including Quanzhou, Guilin, Jilin, Chongqing, Urumqi, Harbin and Nanchang have issued housing provident fund deposit adjustment plans.

Raising the upper limit of the deposit base of provident fund is the main direction of adjustment in various places. At present, the upper limit of the provident fund base in Huizhou, Guangdong Province is the highest, reaching 2495 1 yuan. This means that employees with a monthly income of more than 25,000 yuan in Huizhou, Guangdong Province can pay a maximum of 5,988.24 yuan of provident fund.

Most cities also stipulate the lower limit of the deposit base, which is generally based on the local minimum wage, but the lower limit in some areas is 60% of the average monthly salary of local employees. For example, the lower limit of the deposit base of Jilin provident fund is 2065438+60% of the average monthly salary of employees in 2009, that is, 3422.35 yuan.

Zuo Xiangqi, a senior labor law expert, pointed out in an interview with Time Weekly that generally speaking, whether the base of provident fund is raised depends mainly on the local average wage level. Increasing the upper limit of provident fund deposit in many places shows that wage income showed a steady upward trend last year. However, the annual increase is not a "standard action". "The adjustment of the proportion of provident fund deposits in various places next year depends on the wage level of urban workers in various places this year." Zuo Xiangqi stressed.

Taizhou and Kunming have adjusted more than 3,000 yuan.

There are obvious differences in the adjustment of the upper limit of the provident fund deposit base. Judging from the cities that have announced the adjustment plan, the upper limit of the growth range of most cities is 1 1,000-2,000 yuan. In addition, the upper limit of two cities has been adjusted by more than 3,000 yuan, namely Taizhou and Kunming.

Taizhou this year, the upper limit of the provident fund deposit base is raised by 3,500 yuan, and the deposit base "ceiling" reaches 2 1.500 yuan; The second-ranked Kunming provident fund deposit base is 3453 yuan higher than 20 19, and the deposit ceiling reaches 235 16 yuan.

In contrast, the adjustment range of the upper limit of the deposit base of the provident fund in Jilin, Shijiazhuang and Handan is within 1 10,000 yuan. There are still some places where the upper limit is not adjusted. On June 22, Tianjin Housing Provident Fund Management Committee stated that the upper and lower limits of the local housing provident fund deposit base will remain unchanged in 2020.

"The wages of urban workers are the only standard for adjusting the deposit of provident funds in various places." Zuo Xiangqi stressed. In other words, the upper limit of the provident fund deposit base varies from place to place, reflecting the uneven growth rate of wage levels in different places.

In addition, "provident fund is different from social security, and the proportion of provident fund that enterprises in various regions can pay has certain choices." Zuo Xiangqi said. According to the Regulations on the Management of Housing Provident Fund, the upper limit of the proportion of housing provident fund paid by units and employees shall not be higher than 12%, and the lower limit shall not be lower than 5%.

However, Time Weekly reporter noted that according to last year's housing provident fund deposit adjustment plan, Shanghai, one of the four first-tier cities in Guangzhou, Guangzhou and Shenzhen, became a special case. In Shanghai, the proportion of individual employees and unit housing provident fund contributions is 5%-7% respectively.

Does this mean that the contribution rate of Shanghai enterprise provident fund is low? In Zuo Xiangqi's view, "this is not to say that the deposit ratio in this area is low, but that enterprises in Shanghai have less room to choose the deposit ratio of provident fund."

More affect high-income people.

The 20 19 annual report of the national housing provident fund jointly issued by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank recently shows that in 20 19, the number of employees who actually paid the provident fund in the country was about1490,000.

After the adjustment of the upper limit of the provident fund deposit base, which groups are greatly affected?

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. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

This means that the adjustment of the upper limit of the deposit base has a greater impact on those whose income level has exceeded the upper limit of the deposit base of the provident fund. The reason is that although the income level of these people is relatively high, they can only pay the provident fund according to the upper limit of the provident fund deposit base. For those whose income does not exceed the upper limit of the deposit base of the provident fund, if their salary level in the previous year has not changed, the deposit amount will remain unchanged.

"A higher ceiling means that enterprises will spend more money on housing provident fund savings, which will also bring certain burdens to enterprises." A senior human resources practitioner told the Times Weekly reporter.

However, in practice, some enterprises have the phenomenon of "playing the edge ball". Practitioners told Times Weekly that if employees' salaries include transportation subsidies and bonuses, some enterprises only pay the provident fund for employees according to the basic salary.

"This practice is non-compliant. The labor law has clearly stipulated that the total wages include hourly wages, piece-rate wages, bonuses, allowances and subsidies. " Zuo Xiangqi said.

Relax the provident fund policy in many places

At present, the dispute over the retention or abolition of the provident fund is still lingering, and the impact of the epidemic is superimposed. Various localities have gradually increased the welfare of provident funds. In this context, this year's new provident fund policies in various places have received more public attention.

According to the incomplete statistics of Times Weekly reporters, during the year, Shenyang and Xiaogan have adjusted their provident fund policies 20 times, many of which relaxed restrictions on loans and rental withdrawal limits.

In terms of loans, mutual recognition and mutual loans have been realized in the use of provident funds in Wuhan and Xiaogan. In terms of rent withdrawal limit, in April this year, Shenyang proposed to increase the rent withdrawal limit of local rental housing, and the urban limit was raised from 1.200 yuan/month to 1.400 yuan/month.

Yan Yuejin, research director of the think tank center of Yiju Research Institute, said in an interview with the reporter of Time Weekly that since the beginning of this year, the provident fund policies in many places have been obviously relaxed, the quota has been relaxed, and it is more convenient to use. "This is not caused by the epidemic this year. Since 20 19, the provident fund policy has shown an obvious and relatively loose trend, which has well supported individual housing and rental needs. "

Zuo Xiangqi pointed out: "The main purpose of the provident fund is to support the housing needs of urban workers. At present, the application process and quota are different in different places, so some people turn to commercial loans to buy houses, which is also one of the controversial points about the debate on the retention and abolition of provident funds. "

It is reported that the loan interest rate of housing provident fund for more than five years is 3.25%, the loan interest rate for less than five years is 2.75%, and the commercial loan interest rate is generally around 5%. The annual report of the national housing provident fund in 20 19 shows that 2,860,400 individual housing provident fund loans were issued in 20 19, an increase of13.25% over the previous year; Payment amount121390.6 billion yuan, an increase of 18.79% over the previous year.

However, it is worth noting that at the end of 20 19, the market share of housing provident fund personal housing loans was only 15438+0%. "Housing provident fund loans are only eligible for employees who have paid the provident fund, but the beneficiaries of the provident fund are only urban employees. In addition, there is a maximum amount of provident fund loans, and some people have insufficient housing provident fund loans. " Zuo Xiangqi said.

In Yan Yuejin's view, the approval process for the use of provident fund needs to be further simplified. "The housing provident fund has been issued for a long time. Some developers are reluctant to use provident fund loans to buy houses, because provident fund loans will affect their own speed of arrival. The policy should encourage the relevant cooperation between the provident fund and developers. " Yan Yuejin said.