Starting from October, working and retired people have received five good news, one of which is national welfare and the other is local welfare. Let’s see if you can benefit from it?
first, provident fund loan interest rate lowered
Houses are bundled with marriage, education, household registration and urban resources, buying a house is still a topic that every family cannot avoid. Now a house costs tens of millions, and about 90% of families can only choose to borrow. The loan methods include commercial loans and provident fund loans . The main purpose of commercial loans is to make profits, and the loan interest rate is relatively high; provident fund loans are welfare-oriented and the interest rate is relatively low.
Now the provident fund loan has ushered in good news again. People's Bank of China decided to lower the interest rate of the first personal housing provident fund loan from October 1, 2022 by 0.15 percentage points. This means that when employees who pay housing provident fund purchase their first home, the provident fund loan interest rate has been lowered from the original 3.25% to 3.1%. For employees who have the need to buy a house, the savings is real money!
Second, Yunnan's minimum wage standard is raised
According to the official release of the Yunnan Department of Human Resources and Social Security, Yunnan will adjust the minimum wage standard in all parts of the province from October 1, 2022. The monthly minimum wage standards for Category 1, Category 2 and Category 3 areas are adjusted to 1,900 yuan, 1,750 yuan, and 1,600 yuan; the hourly minimum wage standards for Category 1, Category 2 and Category 3 areas are adjusted to 18 yuan, 17 yuan, and 16 yuan. After the minimum wage standard is raised, the treatment of three types of people is more guaranteed:
- , 1 is people who receive wages according to the minimum wage standard. At present, many public welfare positions and public institutions recruitment contracts work hours, the announcement clearly stipulates that wage benefits will be paid according to the minimum wage standard;
- , 2 is
0 For those who enjoy social security benefits, the monthly payment standard for unemployment insurance is calculated by multiplying the minimum wage by a certain proportion. The minimum contribution base for provident fund cannot be lower than the local minimum wage standard; - third is an employee in the probation period of . Article 20 of the " Labor Contract Law " stipulates that the wages of workers during the probation period shall not be lower than the minimum wage standard of the employer's location.
Third, heating subsidies have begun to be issued one after another. It is not a unified national welfare policy and is not universal, but a benefit that only some employees and some retirees can enjoy.
First talk about employee . Generally speaking, staff members of government agencies and public institutions, as well as employees of central enterprises and state-owned enterprises can receive heating subsidies issued by the finance and units, while most private enterprises will not issue this benefit;
Secondly, look at retirees , retirees of government agencies and public institutions, heating subsidies are issued by the state finance, and the distribution standards are Linked to individual position level; subsidies for enterprises and flexible employment retirees are paid by social security fund , and the distribution standards are uniformly stipulated by policies. Referring to the distribution situation in previous years, Shanxi Province, Liaoning Province, Ningxia Autonomous Region, Xingtai City , Qingdao heating subsidies will be distributed to the account that receives pensions in October . It is expected that the previous practice will continue in 2022.
Fourth, Recalculate pensions for retirees in 2022
The pensions for retirees are composed of three parts, namely basic pensions, personal pensions and transitional pensions . The pension base is an important parameter for calculating basic pensions and transitional pensions. However, since the pension base needs to be referred to the social average salary of the previous year and submitted to the Ministry of Human Resources and Social Security and the Ministry of Finance for approval, the latest pension base can only be announced in the second half of the year. This year, starting from September, various places have successively announced the pension base for 2022.
For those who retire before the 2022 pension base is announced, they can only temporarily use the 2021 data to calculate the pension, and wait until the latest base is announced before recalculating. Since the pension base is increasing every year, after recalculating, not only will the monthly pension increase, but social security institutions will also reissue the pension difference in one lump sum. is expected to start from October, retired elderly people will receive this money one after another. . Everyone should pay close attention to their account dynamics.
Fifth, the basic pension for urban and rural residents in some areas was increased
In August 2022, the Nanjing Human Resources and Social Security Bureau issued a notice requiring that from January 1, 2022, the basic pension for urban and rural residents in Nanjing will be increased from 500 yuan per person per month to 530 yuan per person per month.
In October 2022, the basic pension for urban and rural residents in Nanjing ushered in the second increase this year. Starting from July 1, 2022, an additional 5 yuan will be added to 535 yuan per person per month. and requires that all increased basic pensions be paid in place along with October benefits.
In addition, good news has also been heard from the urban and rural residents' pension insurance in Jintai District, Baoji City, requiring that from October 1, 2022, the basic pension for urban and rural residents will increase the district-level financial subsidy of 17 yuan on the original basis. After the adjustment, the minimum standard for basic pension for urban and rural residents in the district will be raised to 165 yuan, and the per capita level will reach 182.86 yuan. After the benefits are improved, the ability to provide pension insurance for urban and rural residents has been further improved, and the people's sense of happiness in life has also been improved!
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