住房公积金制度助力灵活就业人员群体圆安居梦

Core Viewpoint - Hainan Province has implemented a flexible housing provident fund policy for self-employed individuals, aiming to support their housing needs and contribute to the goal of common prosperity in the Hainan Free Trade Port [1] Group 1: Participation in the Housing Provident Fund - Self-employed individuals, including individual business owners, freelancers, and workers in new employment forms, can voluntarily participate in the housing provident fund system [2] - Participants can determine their contribution base within the range of the minimum wage to three times the average social wage, with a contribution rate between 10% and 24% [2] - Contribution amounts can be adjusted annually, and payment frequency can be chosen as monthly, quarterly, or annually, with automatic deductions available for convenience [2] Group 2: Benefits of Contribution - Self-employed individuals will receive a 1.5% annual interest rate on their contributions, and those who contribute for 12 consecutive months without taking a loan will receive an additional 1% interest subsidy for up to three years [3] - Contributions made within the national regulations can be deducted from taxable income according to tax laws [3] Group 3: Usage of the Housing Provident Fund - After contributing for 12 months, self-employed individuals can apply for housing loans for purchasing or building homes, with loan limits equivalent to those available to regular employees [4] - The maximum loan amount is 800,000 yuan for individual applicants and 1,100,000 yuan for couples, with potential increases for families with multiple children [4] - Funds can also be withdrawn for purchasing, building, repaying loans, or renting homes according to provincial regulations [4] Group 4: Withdrawal and Termination of Contributions - Self-employed individuals can voluntarily terminate their contributions and withdraw their full contributions after six months if there are no outstanding housing loans [5] Group 5: Online Services for Convenience - The Hainan Housing Provident Fund Management Bureau offers online services for contributions, withdrawals, and loan applications through the "Haiyi Ban" mobile app and the provincial government service website, facilitating easy access to services [6]