7月1日，公积金账户利息将到账

Core Viewpoint - The article discusses the annual interest settlement of housing provident funds in China, highlighting the interest rate, contribution limits, and the implications for employees' savings [1][2][3]. Group 1: Interest Rate and Settlement - The housing provident fund in China is currently calculated based on the People's Bank of China's one-year fixed deposit benchmark interest rate of 1.5%, with interest credited annually on July 1 [1][2]. - Interest is calculated using a cumulative method, with interest from both the current year's contributions and previous year's balances being credited to the principal [1]. Group 2: Contribution Limits and Rates - For the 2024 fiscal year, the upper limit for housing provident fund contributions has been raised to 35,283 yuan, an increase of 1,392 yuan from 2023 [1]. - The contribution rate continues to range from 5% to 12%, allowing employers to set their specific rates within this range. For a 12% contribution, the maximum monthly contribution is 8,468 yuan, split equally between employer and employee [2]. Group 3: Employee Experiences and Benefits - An employee from a media group shared that with a monthly salary of approximately 10,000 yuan and a 12% contribution rate, their provident fund account receives a total of 2,400 yuan monthly, amounting to 28,800 yuan annually [2]. - The employee anticipates receiving 432 yuan in interest on July 1, reflecting a positive sentiment towards the benefits of the housing provident fund [2][3].