Yes, as long as the flexible employees sign a voluntary deposit agreement with the provident fund center and deposit the housing provident fund in the way agreed in the agreement.
As for how much provident fund to pay each month, it depends on the agreement signed by the individual and the provident fund center. According to the existing policies, generally speaking, the minimum is not less than 155 yuan and the maximum is not more than 1200 yuan. How to choose depends on the protocol. However, some provinces and cities have higher standards for flexible employees to pay provident fund, and the standards vary from province to province. Self-employed individuals who have reached the age of 16 but have not reached the age of 65, have full capacity for civil conduct or are deemed to have full capacity for civil conduct, and their employees, part-time employees, new employees, etc. You can apply for flexible deposits.
Why is the provident fund loan so slow?
1, it may be that there is a problem in the audit stage: if the provident fund loan is delayed, part of the reason may be that there is a problem in the audit stage. At this time, the buyer should not be too impatient, see what the specific problem is, and then solve the difficulties and wait;
2. Too many applicants: In the case of large loan demand, the speed of provident fund loans is likely to be affected. After all, the number of people is limited, and the processing speed may slow down;
3. Limited stock of provident fund: the funds in the stock of provident fund cannot be used to issue loans, so users need to wait in line for deposit assets, and only when they have enough deposit assets can they make the next payment. When users apply for provident fund loans, they can try to avoid the peak period of housing loans, which is prone to the problem of insufficient stock funds.
What if the provident fund repayment deduction is not enough?
1. You can apply for re-deduction: if the deduction date has not yet arrived, the user can transfer enough repayment amount to a debit card and then apply to the personal provident fund lending institution for re-deduction;
2. Repayment: If there is not enough amount on the deduction date of the enterprise's provident fund loan, it can be paid later. The relevant requirements of the Measures for the Administration of Housing Provident Fund indicate that enterprises need to pay the provident fund in full and on time, and cannot pay it late or underpaid.
What are the benefits of provident fund?
1. After the individual pays, the funds are doubled, and the individual pays according to 5%- 12%, and the enterprise subsidizes according to the same proportion. Therefore, after individual employees pay the provident fund according to regulations, the funds can be doubled;
2. Interest payment: the bank will pay the corresponding interest to the provident fund employees according to the deposit interest rate. If it is carried forward from the previous year, the relevant calculation shall be made according to the annual interest rate of lump sum deposit and lump sum withdrawal for three months;
3. Tax exemption policy: According to relevant laws and regulations, personal income tax is not deducted from personal provident fund.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. On 2002 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
definition
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
(1) Housing provident fund is only established in cities and towns, and there is no housing provident fund system in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of housing provident fund together with the unit deposit.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must pay it continuously according to the regulations during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:
First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
The second is special. The housing provident fund is earmarked for special purposes and can only be used for purchasing, building, overhauling self-occupied housing or paying rent during storage. Only when employees leave their jobs, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.
According to the regulations of China, all enterprises, whether state-owned or private, should deposit and pay housing provident fund for their employees.
legal ground
Regulations on the administration of housing provident fund
Article 24
In any of the following circumstances, employees can withdraw the storage balance in the employee housing provident fund account:
Purchase, construction, renovation and overhaul of owner-occupied housing;
2 retired;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
Rent exceeds the prescribed proportion of family wage income.