Housing provident funds have an important role in solving residential housing problems. Usually, the housing provident fund payments are partially paid by the employees and a part of the unit support.
However, most of the flexible employees such as takeaway brothers, online car drivers, individual industrial and commercial households, zero workers, etc. There are no fixed units. How can they participate in the housing provident fund system, enjoy the corresponding rights and interests, and better live in the city? In 2021, the Ministry of Housing and Urban -Rural Development launched a pilot to participate in the housing provident fund system in 6 cities including Chongqing, Chengdu, Guangzhou, Shenzhen, Suzhou, and Changzhou.
From the perspective of various pilot cities, although the specific policies are different, the basic rights and interests that flexible employees can enjoy are generally consistent.
It mainly includes enjoying individual tax deductions and deposit interest income in accordance with regulations. The housing provident fund rental and buying a house can be extracted. You can enjoy the low -interest loan of housing provident fund, which reflects the inclusiveness of the system.
On this basis, cities actively explore preferential policies. The specific amount of the housing provident fund varies from the city. In response to the characteristics of flexible employees and unstable income, the flexible employees of Guangzhou can determine the monthly deposit amount. The deposit amount is not less than 230 yuan.
Chongqing provides three products: monthly deposit, one -time deposit and free payment, which will be selected by flexible employees.
In addition, the six pilot cities have implemented "deposit and loan linked", and determine the loan amount based on the amount of deposit and deposit time. How to handle the housing provident fund for flexible employees? It is understood that 6 pilot cities can be processed online and offline.
At present, my country’s flexible employment has reached about 200 million.
According to the relevant person in charge of the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban -Rural Development, the next step will continue to steadily promote this pilot, explore practical experience, timely summarize and promote, so that the housing provident fund system will benefit more flexible employees.
(Responsible editor: Zhao Xinyue, Yue Hongbin) Share let more people see it.