海南推进灵活就业人员参加住房公积金制度 实现“即停即提”

Core Viewpoint - The Hainan Province is implementing policies to support flexible employment groups, such as couriers and ride-hailing drivers, in accessing housing provident fund benefits, aiming to enhance their housing security and rights [1][2]. Group 1: Policy Implementation - Hainan Province has over one million flexible employment individuals, most of whom do not participate in the housing provident fund system [1]. - The province encourages flexible employment individuals to voluntarily contribute to the housing provident fund, including those engaged in individual businesses, part-time work, and new economy roles [1][2]. - Individuals aged 16 and above, who are not of legal retirement age and have full civil capacity, can voluntarily contribute to the housing provident fund [1]. Group 2: Contribution and Withdrawal Flexibility - Flexible employment individuals can choose their contribution base and rate within specified limits, with a minimum contribution rate of 10% and a maximum of 24% [2]. - The contribution base must be no less than the local minimum wage and no more than three times the previous year's average monthly salary of employed individuals in the area [2]. - Hainan has removed the restriction that required individuals to wait six months after stopping contributions to withdraw their funds, allowing for immediate withdrawal [2]. Group 3: Interest Rates and Subsidies - The housing provident fund contributions for flexible employment individuals will earn interest at the national one-year fixed deposit benchmark rate, currently at 1.5% [3]. - A subsidy system has been established, providing an additional 1% subsidy on the total contributions for those who have contributed for 12 consecutive months without taking out loans or withdrawing funds, with a maximum of three subsidies available [3].