Summary of Key Points Core Viewpoint - The article discusses the recent adjustments in the housing provident fund (公积金) contribution rates and bases in Shenzhen, providing detailed information on the minimum and maximum contribution rates and bases for both employers and employees, as well as guidelines for flexible employment individuals. Part 1: Contribution Rates and Bases - The maximum contribution rate for the housing provident fund is set at 12%, while the minimum is 5% [3]. - The upper limit for the contribution base is calculated as 43,659 yuan (15,453 yuan multiplied by 3) [3]. - The lower limit for the contribution base is aligned with the minimum wage standard of 2,520 yuan [4]. - The actual contribution base for employees is determined by their average monthly salary from the previous year, with specific rules for new employees and those transferring to new companies [4]. Part 2: Company Contribution Rates and Query Methods - Companies have the discretion to set their contribution rates within the established minimum and maximum limits [3]. - Employees can check their contribution rates and amounts through the "粤省事" WeChat mini-program or by using the "深圳本地宝" public account [5][6]. Part 3: Contributions for Flexible Employment Individuals - Flexible employment individuals can also contribute to the housing provident fund, with contribution bases ranging from 2,520 yuan to 43,659 yuan, mirroring the limits for regular employees [4]. - The contribution rate for flexible employment individuals ranges from 10% to 24%, as they do not have an employer contributing on their behalf [4]. - To qualify for housing loans, flexible employment individuals must meet specific criteria, including a minimum of 12 months of continuous contributions [17].