There are many highlights in the pilot implementation plan. If the cumulative payment months of flexible employees reach 12 months, the maximum payment subsidy for funds stored for 12 months is1%; Not only can you apply for provident fund loans when buying a house, but you can also withdraw provident fund when renting a house.
With the rapid development of platform economy, new forms of employment have become an important channel for workers to increase their employment. Report to the 20th CPC National Congress of the Party pointed out that it is necessary to protect the rights and interests of workers with flexible employment and new forms of employment.
Shandong 16 cities all introduced the policy of flexible employees paying housing provident fund, which expanded the benefit scope of housing provident fund system. Jinan and Qingdao are included in the national flexible employment personnel to participate in the pilot housing provident fund system. The release of Jinan's "Pilot Implementation Plan" has certain reference significance to the policy formulation of other cities in Shandong, and Jinan's policies are also very different from other cities.
Combing the policies of flexible employees participating in housing provident fund issued by Shandong cities, Zaozhuang and Tai 'an have issued relevant policies, but the scope of benefits of the policies of each city is different, and some are limited to individual industrial and commercial households and freelancers.
In terms of hukou establishment, different cities have different policies. Liaocheng stipulates that individual industrial and commercial households need to apply for a business license, and freelancers need a qualification certificate.
Taian adjusts the conditions for freelancers to open housing provident fund accounts, and freelancers will no longer provide professional qualification certificates when opening individual housing provident fund accounts.
In the "Pilot Implementation Plan" published by Jinan, flexible employees refer to all kinds of people who have not established a fixed labor relationship with the unit, have reached the legal retirement age of 16, are employed flexibly in self-employed, part-time or new business forms, and have full civil capacity or are regarded as full civil capacity.
For example, individual industrial and commercial households, couriers, domestic service personnel, network car drivers, odd jobs in the building decoration industry, network anchors and other employees. The pilot implementation plan does not require qualification certificates and business licenses, further expanding the scope of benefits.
Flexible employees are unstable, and social security payment may not be timely. In terms of establishing accounts, the Jinan pilot implementation plan does not require flexible employees to provide proof of social security payment. In the "Detailed Rules for the Implementation of Flexible Employment in Jinan to Participate in the Housing Provident Fund System", the reporter did not even find the chapter of "establishing accounts".
It can be said that flexible employees who apply for housing provident fund can voluntarily abide by the relevant provisions of the housing provident fund system for flexible employees in Jinan as long as they have real income sources and good personal credit. In other cities, flexible employees generally need to participate in social insurance and pay normal fees. Some cities require flexible employees to provide social security certificates for more than one year.
Flexible employees participate in the housing provident fund system and apply for housing loans. The pilot implementation plan requires that the housing provident fund 1 year (inclusive) has been paid continuously, on time and in full before applying for the housing provident fund loan, and the personal account is in a normal state of payment at the time of application.
Yantai requires that when flexible employees apply for housing provident fund loans, they should pay the housing provident fund as flexible employees for more than 24 months (inclusive).
Fresh graduates with college education or above in smoking universities should be paid into the housing provident fund 12 months or more as flexible employees.
In order to attract more flexible employees to participate in the housing provident fund system, Shandong flexibly designs deposit products, supports flexible employees to use housing provident fund in different ways and at different time periods, and helps flexible employees improve their living conditions.