住房公积金结息

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快去查询你的公积金账户是否多了一笔钱!
蓝色柳林财税室· 2025-07-12 01:07
Core Viewpoint - The article provides a comprehensive overview of the housing provident fund, including its interest calculation, settlement dates, and tax exemptions for individuals withdrawing funds from the account [3][4][5]. Group 1: Housing Provident Fund Overview - The housing provident fund earns interest from the date of deposit into the account, calculated annually based on the national interest rate [3]. - The interest settlement date is June 30 each year, covering the period from July 1 of the previous year to June 30 of the current year [4]. Group 2: Interest Calculation - The interest amount is calculated using the formula: Interest Amount = Account Balance × Actual Days Deposited × Annual Interest Rate ÷ 360 [5]. - The current interest rate for the housing provident fund is based on the central bank's one-year fixed deposit benchmark rate, which is currently 1.5% [5]. Group 3: Query Methods - Individuals can check their housing provident fund details online through the local housing provident fund management website or official WeChat account [6]. - Other methods include using Alipay/WeChat under the "City Services" section, local government service apps, or by calling the hotline 12329 for inquiries [7]. Group 4: Tax Exemption - Withdrawals from the housing provident fund are exempt from personal income tax as per the regulations set by the Ministry of Finance and the State Administration of Taxation [7].
“系统崩了”!今天,有一笔额外收入!但很多深圳人反馈查不了
Nan Fang Du Shi Bao· 2025-07-01 04:53
Group 1 - The annual housing provident fund interest settlement occurred on July 1, with interest directly credited to accounts, ranging from tens to thousands of yuan [1][5][26] - The Shenzhen Housing Provident Fund Management Center announced that the statutory interest settlement date is June 30 each year, with interest typically credited on July 1 [20][22] - The interest calculation is based on the account balance, actual deposit days, and the annual interest rate of 1.5%, using a formula that divides by 360 days [23] Group 2 - Many users reported system crashes and difficulties accessing the housing fund services on the morning of July 1 due to system upgrades [6][9][13] - The management center had previously issued a notice regarding the maintenance of the system and the suspension of services from June 30, 18:00 to July 1, 9:00 [19][20] - Various online platforms, including WeChat and Alipay, experienced service interruptions, leading to user frustration [10][16][19]
7月1日,公积金账户利息将到账
Zhong Guo Jing Ying Bao· 2025-06-30 14:09
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].