How to pay provident fund in Liaocheng
The provident fund is an important system for employee housing security. The provident fund payment policy in Liaocheng City is similar to that in other cities across the country, but the specific details may be slightly different. This article will introduce in detail the payment methods, proportions, processes and frequently asked questions of Liaocheng Provident Fund to help you better understand and use the Provident Fund.
1. Liaocheng provident fund payment ratio
The provident fund payment ratio in Liaocheng City is shared by units and individuals. The specific ratio is as shown in the table below:
| Payer | Proportion | Remarks |
|---|---|---|
| unit | 5%-12% | Choose based on the nature of the unit and economic status |
| personal | 5%-12% | Consistent with unit proportions |
2. Liaocheng provident fund payment base
The provident fund payment base is the employee's average monthly salary in the previous year, but it shall not be lower than the minimum base stipulated in Liaocheng City, nor shall it be higher than the highest base. The range of Liaocheng Provident Fund payment base in 2023 is as follows:
| Cardinal type | Amount (yuan) |
|---|---|
| lowest cardinality | 1910 |
| highest cardinality | 21207 |
3. Liaocheng provident fund payment process
1.Unit account opening: The unit needs to bring its business license, organization code certificate and other materials to the Liaocheng Provident Fund Management Center to go through the account opening procedures.
2.Employee registration: The unit handles provident fund accounts for new employees and provides employee ID cards, labor contracts and other materials.
3.monthly payment: The unit pays provident funds for employees every month through bank withholding or online deposit.
4.Personal inquiry: Employees can check their personal account balances and payment records through the official website of Liaocheng Provident Fund Management Center or mobile APP.
4. Frequently Asked Questions about Liaocheng Provident Fund
1. Can I pay the provident fund myself?
Under normal circumstances, the provident fund must be paid by the unit, and individuals cannot pay it alone. However, people with flexible employment can apply for voluntary contributions to provident funds. For specific policies, please consult the Liaocheng Provident Fund Management Center.
2. Can provident fund be withdrawn?
If you meet one of the following conditions, you can apply to withdraw your provident fund:
3. What are the advantages of provident fund loans?
The interest rate of provident fund loans is lower than that of commercial loans. The current interest rates of provident fund loans in Liaocheng City are as follows:
| loan term | interest rate |
|---|---|
| Less than 5 years (including 5 years) | 2.75% |
| More than 5 years | 3.25% |
5. Summary
The provident fund is an important benefit for employees, and Liaocheng City's provident fund policy provides housing security for employees. Units and individuals should pay provident funds in a timely manner in accordance with the prescribed proportions, and employees can also make reasonable use of provident funds for consumption such as buying and renting houses. If you have more questions, it is recommended to consult the Liaocheng Provident Fund Management Center directly.
The content of this article is for reference only. The specific policies shall be subject to the latest regulations of Liaocheng Provident Fund Management Center.
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