上海：灵活就业人群可自愿缴存和使用住房公积金

Core Points - The Shanghai Municipal Housing Provident Fund Management Committee announced the implementation of a new policy for flexible employment workers to voluntarily contribute to and withdraw from the housing provident fund starting June 1, 2025 [1] - The policy aims to allow flexible employment workers to enjoy the benefits of the housing provident fund system, facilitating their ability to apply for housing loans when purchasing homes [1] Group 1 - The new policy applies to individuals aged 16 and above who are engaged in flexible employment in Shanghai, including self-employment, part-time work, and new employment forms, without any household registration restrictions [1] - Flexible employment workers can determine their contribution base and choose a contribution rate between 10% and 24%, with a minimum monthly contribution of 270 yuan and a maximum of 8860 yuan based on the 2024 standards [2] - Contributions can be made monthly, quarterly, or semi-annually, and workers can suspend contributions if their income changes, with the option to resume contributions when conditions allow [2] Group 2 - The policy allows for easy transfer of housing provident fund accounts if flexible employment workers change jobs or move to other provinces, ensuring continuity of their contributions [2] - Workers can withdraw their housing provident fund for various reasons, including purchasing or renting a home, repaying housing loans, retirement, or personal needs during their flexible employment period [2] - To qualify for housing loans, flexible employment workers must have contributed to the housing provident fund for at least 12 consecutive months and meet other general conditions for housing loans in Shanghai [2]