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从7月1日起，邯郸市住房公积金缴存基数调整为2016年月平均工资，执行的住房公积金缴存基数最低为1590元（注：1590元为邯郸主城区职工最低缴存基数），比上年增加170元；最高缴存基数为12324元，比上年增加687元。6月12日，邯郸房网（微信号：HanDanHouse）从邯郸市住房公积金管理中心网站上了解到，此次调整自日起开始，日结束。各单位应根据职工2016年度月平均工资总额进行基数调整，2017年新调入和新参加工作的职工，以当月工资收入或实际发放的月平均工资作为其住房公积金缴存基数。2017年度住房公积金缴存基数上限为12324元，较上年增加,687元，公积金缴存基数下限为1590元。此次缴存基数调整后，部分职工每月住房公积金缴存额会相应增加，使用住房公积金购房或者还贷都将享受更多实惠。邯郸房网（微信号：HanDanHouse）了解到，邯郸市目前职工个人和单位住房公积金缴存比例最低不得低于5%、最高不得高于12%。2017年度住房公积金缴存基数上限为12324元，按职工本人和单位各12%的缴存比例计算月缴存额上限为2958元；住房公积金缴存基数下限为1590元，按职工本人和单位各5%的缴存比例计算月缴存额下限为159元。新参加工作的职工从参加工作的第二个月开始缴存住房公积金，月缴存额为职工本人当月工资乘以职工住房公积金缴存比例。单位新调入的职工从调入单位发放工资之日起缴存住房公积金，月缴存额为职工本人当月工资乘以职工住房公积金缴存比例。邯郸房网（微信号：HanDanHouse）了解到，住房公积金缴存基数的提高，意味着在相同缴存比例下，缴存额就会提高，尤其是对于按住房公积金缴存基数最低标准缴存的职工来说，基数的提高，将进一步减轻偿还住房公积金贷款的月供压力。以某位单位职工张某为例，如果他的公积金月缴存基数从去年的下限1420元，提高的今年的最低,1590元，缴存比例为10%，则该职工月缴存额会从142元，增加到159元，提高了17元；而对于按基数和缴存比例上限缴存的职工来说，基数的上调则带来的好处会更明显，如去年基数上限为11637元，缴存比例12%计算，则月缴存额为2792元，缴存基数上限提高到12324元后，月缴存额将提高到2958元，每月将增加166元，一年就是1992元。据邯郸房网（微信号：HanDanHouse）了解，住房公积金月缴存额由两部分组成，单位月缴存额与个人月缴存额，两部分缴存额均入职工个人住房公积金账户。单位月缴存额由职工本人住房公积金缴存基数乘以单位住房公积金缴存比例得出，个人月缴存额由职工本人住房公积金缴存基数乘以职工住房公积金缴存比例得出，两项计算结果分别四舍五入到元，两部分相加后为职工住房公积金月缴存额。目前，邯郸市住房公积金账户存款利率为1.50%，住房公积金贷款利率五年期以下（含五年）贷款利率2.75%，五年期以上贷款利率3.25%，公积金贷款额度执行夫妻双方缴存住房公积金的职工家庭，最高贷款60万元；单方缴存家庭最高贷款额度40万元。
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