Since165438+1October 14, Mianyang City's individual industrial and commercial households, network car drivers, couriers, catering service personnel, domestic workers, building decoration personnel, network anchors and other flexible employees who are self-employed, part-time and engaged in new forms of employment can deposit and use the housing provident fund.

Processing mode

Starting from 1 1.0 14, flexible employees can handle it as follows:

1. Online. Go to the official account of I Mianyang APP or "Mianyang Provident Fund" WeChat to open an account and deposit.

2. Offline. Go to the housing provident fund service window.

Lower deposit limit

You can choose equal monthly deposit, independent monthly deposit or flexible free deposit, and the minimum deposit amount is 198 yuan.

loan limit

Individuals who participate in the pilot and pay normally have a maximum loan amount of 500,000 yuan;

If both husband and wife participate in the pilot and deposit normally, the maximum loan amount is 700,000 yuan.

What are the conditions for applying for a loan? Under what circumstances can I withdraw the provident fund?

The housing accumulation fund paid by flexible employees shall bear interest at the benchmark interest rate of one-year time deposits from the date it is included in the personal account, and may also enjoy tax-free treatment, which may be deducted from the personal taxable income according to law. After three years of deposit, you can apply for a provident fund loan and enjoy a loan interest rate lower than that of the bank for the same period. At the same time, flexible employees can also withdraw the provident fund to pay rent, house purchase and mortgage repayment.