苏州灵活就业试点3.0版实施，助力灵活就业人员解决住房问题

Core Viewpoint - The Suzhou Housing Provident Fund Management Center has optimized the implementation details for the housing provident fund system for flexible employment, effective from July 1, marking the launch of version 3.0 of the pilot program, which will last for three years and aims to enhance policy attractiveness and assist flexible employment individuals in addressing housing issues [1][3]. Group 1: Key Innovations and Upgrades - The upgraded pilot policy emphasizes "two major innovations, five major upgrades, and six major benefits" [3]. - "Six major benefits" include low-interest loans, deposit subsidies, rental support, points for mobile populations, tax incentives, and interest payments [3]. - "Two major innovations" focus on promoting urban-rural integration and introducing a supplementary provident fund system [3]. - "Five major upgrades" consist of: - Model Upgrade: Offering both monthly and flexible deposit options without a deposit ceiling, with a minimum deposit equal to 10% of the city's minimum monthly wage [3]. - Withdrawal Upgrade: Allowing flexible employment individuals to withdraw their provident fund without material requirements, with no restrictions on time, amount, or frequency [3][4]. - Subsidy Upgrade: Continuing to provide account opening and deposit subsidies, with interest subsidies set at 30% of the provident fund's interest rate, distributed annually [4]. - Loan Upgrade: Enhancements in loan offerings for flexible employment individuals [4]. - Experience Upgrade: Improvements in user experience related to the provident fund system [4]. Group 2: Target Audience and Policy Scope - The pilot program targets flexible employment individuals aged 16 and above who have not reached the legal retirement age, including urban individual businesses, part-time workers, and those in new employment forms [1][3]. - The policy also supports rural residents in participating in the provident fund system and facilitates housing loans for self-built or renovated homes, promoting urban-rural integration and common prosperity [1][3].