灵活就业人员可“零跑动”缴公积金，3.9万户家庭住房受益

Core Insights - The article highlights the successful implementation of a pilot program in Shandong Province, allowing flexible employment individuals to participate in the housing provident fund system, with significant growth in contributions and support for housing solutions [1][3]. Group 1: Pilot Program Implementation - Seven cities in Shandong, including Jinan and Qingdao, have been selected for the pilot program, which is the largest in the country [3]. - From January to July, 131,000 flexible employment individuals have started contributing to the housing provident fund, representing a year-on-year increase of 195.2% [3]. Group 2: Contribution Process - Flexible employment individuals can open and contribute to their accounts through online and offline methods, with the online process requiring no materials and minimal effort [3][6]. - Each contributor is allowed only one active personal account, and existing accounts must be consolidated if they are in a dormant state [6]. Group 3: Support Policies - The pilot cities have introduced various support policies, including financial subsidies for continuous contributions, with amounts ranging from 0.5% to 1.2% [7]. - Jinan offers a maximum of 1% subsidy for contributions after 12 months, with a combined annual interest rate potentially reaching 2.5% [7]. Group 4: Loan and Rental Benefits - Flexible employment individuals can apply for housing provident fund loans after six months of continuous contributions, enjoying the same low-interest rates as regular employees [7]. - Rent payments can be included in the calculation of loan amounts for first-time home purchases, enhancing the affordability for contributors [7].