愿缴能缴，今年底前山东全面推开灵活就业人员参加住房公积金制度

Core Viewpoint - The Shandong Provincial Department of Housing and Urban-Rural Development, along with nine other departments, has issued guidelines to promote the participation of flexible employment workers in the housing provident fund system by the end of 2025, aiming for a more inclusive and supportive housing policy for this demographic [1][3]. Group 1: Policy Implementation - The guidelines aim to include flexible employment workers and new employment forms in the housing provident fund system, adhering to principles of inclusivity, voluntary participation, and equitable rights and responsibilities [3][4]. - By the end of 2025, all 16 cities in Shandong Province are expected to fully implement the housing provident fund system for flexible employment workers, with a goal to establish a comprehensive management system by the end of 2030 [3][4]. Group 2: Eligibility and Account Management - Flexible employment workers, including those working part-time, self-employed, or in new employment forms, can apply to participate in the housing provident fund system, provided they have full civil capacity and good credit [4][5]. - The housing provident fund management center will sign a deposit and usage agreement with applicants, ensuring clarity on rights, obligations, and breach responsibilities [4]. Group 3: Benefits and Incentives - Flexible employment contributors will enjoy the same withdrawal policies as unit-contributing employees, with the ability to withdraw their contributions fully if they have not taken out a housing loan or have settled their loans [5]. - Cities with favorable conditions are encouraged to explore flexible withdrawal mechanisms and provide financial incentives such as deposit subsidies for contributors meeting local criteria [5][6]. Group 4: Financial Services and Rights Protection - Commercial banks are encouraged to offer credit loans and interest rate discounts based on housing provident fund contribution information, enhancing the financial capabilities of contributors [5][6]. - The guidelines advocate for platform companies to assume social responsibilities and explore a co-contribution mechanism for housing provident fund deposits for workers in new employment forms [5][6].