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住房公积金是一种义务性的长期储金。职工个人缴存的公积金是个人长期储蓄的住房基金;单位缴存的公积金是单位对职工由住房实物分配向货币分配的转化。两者都归个人所有,只能用于购房、建房、住房翻建和大修,不能挪作它用。公积金缴交率的确定,一要考虑单位和个人的经济承受能力;二要考虑居民住房支出占消费结构比重,在目前收入水平下,居民住房支出比重以10-15%为
Housing provident fund is an obligatory long-term savings fund. The employee’s personal contribution fund is a personal long-term savings housing fund. The fund deposited by the employer is the unit’s conversion of employees from the physical distribution of housing to the distribution of money. Both belong to individuals, can only be used for purchase, building, housing renovation and overhaul, can not be used for other purposes. To determine the payment rate of the provident fund, one must consider the economic affordability of units and individuals; Second, we must consider the proportion of residential housing expenditures in the consumer structure, the current level of income, the proportion of residential housing spending 10-15% as