How to adjust the provident fund base
The adjustment of the provident fund base is a hot topic that many professionals pay attention to, especially around July every year, when the window period for adjustment of provident fund policies in various places arrives. This article combines the hot discussions on the Internet in the past 10 days to provide you with a detailed analysis of the provident fund base adjustment methods, precautions and the latest policy developments.
1. What is the provident fund base?
The provident fund base is the salary base for employees to pay housing provident fund, which is usually the average monthly salary of employees in the previous year. According to regulations, the provident fund base can be adjusted once a year, and the specific adjustment time is determined by the local housing provident fund management center.
2. The latest policy on provident fund base adjustment in 2024
| area | Adjust time | Upper limit standard | lower limit standard |
|---|---|---|---|
| Beijing | July 1, 2024 | 31884 yuan | 2320 yuan |
| Shanghai | July 1, 2024 | 34188 yuan | 2590 yuan |
| Guangzhou | July 1, 2024 | 37,200 yuan | 2300 yuan |
| Shenzhen | July 1, 2024 | 38976 yuan | 2360 yuan |
3. Provident Fund Base Adjustment Method
1.Unit unified adjustment: In most cases, the provident fund base is uniformly declared and adjusted by the unit's personnel department, and employees need to cooperate in providing relevant materials.
2.Personal application adjustment: Some areas allow individual employees to apply for adjustment of provident fund base, provided the following conditions are met:
| Application conditions | Materials required |
|---|---|
| Significant changes in wages | Salary statement in the past 6 months |
| Change workplace | New unit labor contract |
| Joining the workforce for the first time | Employment certificate |
4. Things to note when adjusting the provident fund base
1.Adjust time limit: In most areas, the provident fund base is only allowed to be adjusted once a year. If you miss the filing deadline, you will have to wait for the next year.
2.Cardinality range limit: The provident fund base must be within the upper and lower limits specified by the local area, and shall not be lower than the lower limit or higher than the upper limit.
3.Affects loan amount: The provident fund base directly affects the loan amount, and employees who have plans to purchase a house should make reasonable adjustments.
5. Answers to recent hot questions
Q: Will the provident fund base be automatically adjusted after changing jobs?
A: It will not be automatically adjusted. The new unit will re-determine the provident fund base based on your salary standard in the new unit, and you need to proactively confirm with the new unit's HR department.
Q: Can freelancers adjust the provident fund base?
A: Yes. Freelancers can declare their own provident fund base, but they need to provide proof of income and are also subject to local upper and lower limits.
6. Latest policy developments
In June 2024, many places released new provident fund policies:
| area | New Deal Content |
|---|---|
| Chengdu | Allow provident fund back payment to adjust base |
| Hangzhou | Added mobile APP self-service adjustment function |
| Wuhan | Relaxing restrictions on base adjustment of flexible employment personnel |
7. Summary of suggestions
1. Pay attention to the official notice from the local Provident Fund Management Center to know the accurate adjustment time.
2. Properly plan the provident fund base, taking into account both current income levels and future loan needs.
3. Keep salary slips and other supporting materials for use in case of base adjustment.
4. If you have any questions, please call the provident fund service hotline 12329.
The adjustment of the provident fund base is related to the vital interests of every employee. I hope this article can help you successfully complete the adjustment of the provident fund base this year. It is recommended to bookmark this article so that you can check the latest policy information at any time.
check the details
check the details
en
