These people pay 1 months for the provident fund or more than you earn
meirijingjixinwen· 2017-06-17 09:05:52
interest rates in many home floating, rising housing costs, the advantages of provident fund loans more prominent.
in Chengdu, for example, according to the Chengdu housing provident fund center data, more than 5 years provident fund loan interest rate of 3.25%, while more than 5 years of commercial lending rate of 4.9%. We loan 500 thousand yuan, choose the equal principal and interest repayment law, 20 years to pay off as an example. Choose provident fund loans, the repayment amount is about 680 thousand yuan, the average monthly repayment 2835 yuan; business loans, the repayment amount is about 785 thousand yuan, the average monthly repayment 3272 yuan, that is to say the provident fund loans than commercial loans per month less 400 yuan.
provident fund benefits not only that, it has the effect of tax deduction, because five social insurance and one housing fund income after the tax base is. Provident fund can also pay rent, pay the decoration, pay for the purchase of electricity and so on.
Chinese vision because of the provident fund has so many benefits, so the benefits of a good unit, will give the staff as much as possible gold deposit reserve. Recently, Beijing will raise the provident fund deposit ceiling to 5548 yuan, while in Guangzhou, Shenzhen, the current provident fund deposit ceiling has exceeded 8000 yuan.
, Guangzhou and Shenzhen provident fund deposit ceiling over 8000, what is the concept?
according to the National Bureau of Statistics announced in 2016 the national average wage data, in 2016 the National Urban Non private sector employment in the average wage is 67569 yuan, urban private sector employment in the average wage is 42833 yuan. That is to say, in 2016, the average monthly salary of non private and private units was 5630.75 yuan and 3569.42 yuan respectively. Guangzhou and Shenzhen provident fund monthly deposit ceiling has greatly exceeded the average monthly salary of national employment personnel.
, however, it is not easy to get the upper limit of the provident fund, and the reality is much more complex than expected.
fund competition, Shenzhen has the lowest
although called provident fund, but different levels of economic development, so the workers to pay provident fund amount is different, and this difference does not match with the level of economic development.
released by the Ministry of housing and other departments of the "national housing provident fund 2016 annual report" (hereinafter referred to as the "2016 report"), the per capita housing provident fund (the same below) is the highest in Tibet, 27 thousand and 700 yuan, followed by Beijing, Xinjiang, respectively 21 thousand and 600, 19 thousand and 200 yuan.
ranked the most backward is Shanxi Province, the per capita provident fund deposit only 7 thousand and 300 yuan, Henan and Shaanxi are also low, respectively, only 0.78, 8 thousand and 800 yuan.
"2016 provident fund deposit, click on the zoom (source: Ministry of housing
) surprisingly, the most developed city of Shenzhen people are Chinese provident fund deposit level is very low. According to the Shenzhen provident fund management center issued the "Shenzhen city housing provident fund 2016 annual report", 2016 Shenzhen provident fund paid staff of 5 million 677 thousand people, then deposit the amount of 42 billion 868 million yuan, that is to say the average deposit amount is 7551 yuan, only a little better than in Shanxi province.
from the national point of view, the per capita provident fund deposit of 12 thousand and 700 yuan.
look at the other two first-tier cities, Shanghai 2016 provident fund paid 7 million 647 thousand and 400 employees, deposit amount of 101 billion 858 million yuan, the average deposit amount is about 13 thousand and 300 yuan;
photograph: visual China
according to the Guangzhou provident fund center. "Guangzhou housing provident fund 2016 annual report", 2016 Guangzhou provident fund paid staff of 3 million 906 thousand and 100 people, then deposit the amount of 61 billion 836 million yuan, that is to say the average per person deposit amount is about 15 thousand and 800 yuan.
from the above data, we can see that although first-tier cities wage income after blasting in other places, but no special advantage in the deposit fund, especially in Shenzhen, in the country with the highest price situation, last year the per capita housing provident fund actually ranked number.
so what caused the average provident fund deposit in Shenzhen to be so low?
according to the Ministry of housing the report, in 2016 the national housing provident fund deposit workers, state organs, institutions, state-owned enterprises and collective enterprises accounted for 57.14%; urban private enterprises and other urban enterprises, foreign-invested enterprises, private non enterprise units and other types of units accounted for 42.86% -- although private enterprises to solve most of the employment Chinese the population, but the proportion of workers paid provident fund is not dominant.
can be seen from the report, in the provident fund deposit workers Chinese organs, institutions, state-owned enterprise workers reached nearly 60%, which partly explains the state organs, state-owned enterprises in Beijing why per capita housing provident fund and the most developed private economy in Shenzhen per capita provident fund deposit will be much smaller.
Chinese vision for some private enterprises, under the pressure of the economic downturn, difficult production operations. In order to reduce the burden on enterprises, from last year, the central government asked the housing provident fund deposit ratio will be adjusted as follows: unit and worker deposit ratio should not be less than 5%