深圳公积金新规4月生效，职工个人缴存比例提高至12%

Core Viewpoint - The Shenzhen Municipal Government has issued a revised "Shenzhen Housing Provident Fund Management Measures," which will take effect on April 1, 2026, updating the previous interim measures from December 2010 [1]. Summary by Sections Section 1: Key Adjustments - The revised measures introduce a differentiated contribution policy, allowing employees to voluntarily increase their personal contribution rate up to a maximum of 12%, based on their employer's set rate [3]. - Employees can adjust their contribution rate once per housing provident fund year, which runs from July 1 to June 30 of the following year [3]. Section 2: Dispute Resolution - The new measures clarify multiple dispute resolution methods for unpaid housing provident fund contributions, allowing the provident fund center to mediate disputes and encouraging negotiation between employers and employees [3]. - Specific provisions state that employees can report employers for late or insufficient contributions, and the provident fund center is mandated to investigate these complaints [3]. Section 3: Coverage Expansion - The revised measures expand the coverage of the housing provident fund system to include flexible employment groups, allowing self-employed individuals, freelancers, and other non-mandatory employers and their employees to contribute, withdraw, and utilize the housing provident fund [4]. - This adjustment builds on previous pilot programs aimed at integrating flexible employment workers into the housing provident fund system [4]. Section 4: Background and Importance - The necessity for revising the interim measures stems from the need to adapt to new developments in the housing provident fund business and to better align the system with the economic and social development of Shenzhen [4]. - Since its implementation in December 2010, the housing provident fund system has accumulated funds totaling 10,329 billion yuan, supported 6,941 billion yuan in withdrawals, and issued 392.6 billion yuan in low-interest loans [4].