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【速搜问答】公积金缴纳个人和单位怎么交

问答 admin 8个月前 (04-02) 135次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

公积金缴纳个人和单位按1:1的比例等额缴纳,也就是说个人缴纳多少,公司也缴纳多少。单位或个人缴纳的公积金比例,最低不能低于上年度月平均工资的5%,最高也不能超过20%。在实际的缴纳过程中,很多的单位按照最低的标准进行缴纳。

In other words, the company will pay as much as the individual pays. The minimum proportion of provident fund paid by units or individuals shall not be less than 5% of the average monthly wage of the previous year, and the maximum shall not exceed 20%. In the actual payment process, many units pay according to the lowest standard.

公积金缴纳个人和单位按 1:1 的比例等额缴纳,也就是说个人缴纳多少,公司也缴纳多少。单位或个人缴纳的公积金比例,最低不能低于上年度月平均工资的 5%,最高也不能超过 20%。在实际的缴纳过程中,很多的单位按照最低的标准进行缴纳。

In other words, the company will pay as much as the individual pays. The minimum proportion of provident fund paid by units or individuals shall not be less than 5% of the average monthly wage of the previous year, and the maximum shall not exceed 20%. In the actual payment process, many units pay according to the lowest standard.

公积金是指国家机关和事业单位、国有企业、城镇集体企业、外商投资企业、城镇私营企业及其他城镇企业和事业单位、民办非企业单位、社会团体及其在职职工,对等缴存的长期住房储蓄。

Provident fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non enterprise units, social organizations and their employees.

用户使用公积金购买住房是可以获得较低的贷款利率,要比商业贷款利率低很多。不过在使用公积金办理贷款时必须满足一定的条件,而且在申请公积金办理贷款时不同的用户得到的授信额度是不一样的。

Users can get a lower loan interest rate by using provident fund to buy housing, which is much lower than commercial loan interest rate. However, in the use of provident fund loans must meet certain conditions, and in the application for provident fund loans, different users get different lines of credit.

用户办理公积金贷款后必须按时归还,不能出现逾期还款的情况,因为逾期后会产生罚息,时间越长罚息越多。而且在逾期后会上传至征信中心,导致个人征信变不良,影响后续各种贷款的办理,比如车贷或者房贷等。

The user must repay the provident fund loan on time, and the overdue repayment is not allowed, because there will be penalty interest after the overdue repayment, and the longer the time is, the more the penalty interest will be. Moreover, it will be uploaded to the credit reference center after overdue, which will lead to bad personal credit information and affect the subsequent processing of various loans, such as car loans or housing loans.


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