Core Viewpoint - The joint initiative by Zhengzhou and Kaifeng housing provident fund management centers aims to enhance the convenience of cross-regional services for employees, improving their overall experience in handling housing fund matters [1] Group 1: Business Scope - The released "Zhengkai Housing Provident Fund Business Handling Material List Directory" (first batch) includes 15 types of withdrawal services such as purchasing self-occupied housing, repaying housing loan principal and interest, renting self-occupied housing, and retirement withdrawals, as well as 5 types of inquiry services including personal account information inquiry and payment detail inquiry [2] Group 2: Business Processing - The handling of all business materials requires original verification and retention of copies. There are two processing methods: offline and full online processing. Most services in Zhengzhou can be processed through the "Zhenghao Ban" APP, while Kaifeng services are mainly processed via the "Kaifeng Housing Provident Fund Management Center" WeChat public account [3] Group 3: Future Developments - As the integration of Zhengzhou and Kaifeng continues, both housing provident fund management centers will optimize the handling processes and expand the range of services, with more batches of handling material lists to be released in the future [4]

Core Viewpoint - The Beijing Housing Provident Fund has set the interest rate for the 2024-2025 period at 1.5%, significantly higher than current bank deposit rates, providing a stable and attractive option for long-term savings [1][2] Group 1: Interest Rate Comparison - The interest rate for personal provident fund accounts is set at 1.5%, while the one-year bank deposit rate is around 0.95%, and the savings account rate is approximately 0.05% [1] - For a deposit of 100,000 yuan, the provident fund yields 1,500 yuan in interest annually, which is 550 yuan more than the one-year bank deposit interest and 30 times the interest from a savings account [1] Group 2: Long-term Benefits - Over a 10-year period, a provident fund account with a balance of 100,000 yuan can accumulate approximately 16,300 yuan in interest through compound interest, compared to about 15,000 yuan from a bank's one-year fixed deposit using simple interest [2] - The design of the provident fund system creates a long-term value growth opportunity, particularly beneficial for salaried workers who contribute consistently [2] Group 3: Stability of Interest Rates - The interest rate for the provident fund is directly anchored by national policy, making it less susceptible to market fluctuations, ensuring a stable interest environment for contributors [2] - In the past five years, the one-year bank deposit rate has decreased by over 46%, from 1.75% to 0.95%, while the provident fund interest rate has remained stable at 1.5% [2]

Summary of Key Points Core Viewpoint - The article discusses the recent adjustments in the housing provident fund (公积金) contribution rates and bases in Shenzhen, providing detailed information on the minimum and maximum contribution rates and bases for both employers and employees, as well as guidelines for flexible employment individuals. Part 1: Contribution Rates and Bases - The maximum contribution rate for the housing provident fund is set at 12%, while the minimum is 5% [3]. - The upper limit for the contribution base is calculated as 43,659 yuan (15,453 yuan multiplied by 3) [3]. - The lower limit for the contribution base is aligned with the minimum wage standard of 2,520 yuan [4]. - The actual contribution base for employees is determined by their average monthly salary from the previous year, with specific rules for new employees and those transferring to new companies [4]. Part 2: Company Contribution Rates and Query Methods - Companies have the discretion to set their contribution rates within the established minimum and maximum limits [3]. - Employees can check their contribution rates and amounts through the "粤省事" WeChat mini-program or by using the "深圳本地宝" public account [5][6]. Part 3: Contributions for Flexible Employment Individuals - Flexible employment individuals can also contribute to the housing provident fund, with contribution bases ranging from 2,520 yuan to 43,659 yuan, mirroring the limits for regular employees [4]. - The contribution rate for flexible employment individuals ranges from 10% to 24%, as they do not have an employer contributing on their behalf [4]. - To qualify for housing loans, flexible employment individuals must meet specific criteria, including a minimum of 12 months of continuous contributions [17].