截至7月末，我省累计发放公积金贷款达10143.2亿元 7市纳入试点 前七个月灵活就业人员新增缴存13.1万人 "我是今年毕业的大学生，准备自由择业，听说现在灵活就业也能缴存住房公积金，能享受哪些优 惠？"开放日现场，应届毕业生张思源抛出的问题，道出了新就业形态从业者的关切。 根据《山东省住房公积金2024年年度报告》，我省实缴住房公积金人数达到1193.39万人。但长期以 来，灵活就业人员由于劳动关系不稳定、收入波动大等特点，现行的住房公积金制度难以有效覆盖这一 群体。 破解这一难题，山东抓住住建部开展灵活就业人员参加住房公积金制度的关键机遇。济南、青岛、淄 博、枣庄、烟台、日照、德州7市纳入试点，总数全国第一。通过打破"身份限制"，将试点区域内以非 全日制、个体经营、新就业形态等方式灵活就业的符合年龄要求等群体都纳入了制度覆盖范围。 该群体能享受到哪些政策优惠？核心体现在缴存阶段的补贴收益与贷款阶段的低息支持两方面。 以目前济南现行政策为例算"收益账"：灵活就业人员存储时间满12个月的资金部分，最高给予1%的缴 存补贴，每年结息日将缴存补贴计入灵活就业者个人公积金账户，再加上1.5%的公积金存款利率，综 ...

《指导意见》将灵活就业人员、新就业形态人员等纳入住房公积金制度，按照"普惠自愿、权责对等、权益统一、稳妥安全"的原则，构建适应灵活就业群体 特点的缴存、使用、管理和服务机制。将灵活就业人员参加住房公积金制度与扎实推动共同富裕、促进高质量充分就业、推进以人为本的新型城镇化、加快 构建房地产发展新模式等工作紧密结合，强化政策配套集成和协同联动，助力全省经济社会高质量发展。 《指导意见》提出2025年年底前，全省16设区城市全面推开灵活就业人员参加住房公积金制度，出台管理办法或相关规定，实现"愿缴能缴"。2030年年底 前，全省基本形成覆盖广泛、政策灵活、服务便捷的住房公积金管理体系，灵活就业人员参加住房公积金制度覆盖面和受益面显著提升，住房保障能力明显 增强。 齐鲁晚报·齐鲁壹点记者 王皇 8月25日，记者从山东省住房和城乡建设厅举办的"惠民公积金 服务暖人心"政府开放日活动了解到，近日山东省住房和城乡建设厅等9部门联合印发《关于 全面推进灵活就业人员参加住房公积金制度的指导意见》，《指导意见》提出2025年年底前，全省16设区城市全面推开灵活就业人员参加住房公积金制度， 实现"愿缴能缴"。《指导意见》提出，对于 ...

齐鲁晚报·齐鲁壹点记者 王皇 灵活就业人员可通过线上线下两种途径开户建缴。线上可以实现"零材料、零跑动"开通缴存账户，济南市等7个灵活就业人员参加住房公积金制度试点城市 已经统一接入了"全国住房公积金公共服务"微信小程序，可以通过微信搜索登录小程序，在首页进入灵活缴存业务办理页面，输入相关信息办理。 此外，线下也可以持本人有效身份证件和银行卡，到公积金中心服务网点申请办理缴存登记。需要注意的是，每个灵缴人员只能有一个正常缴存的个人账 户，申请人在本地或异地已存有其他账户的，应为封存状态，按照规定及时办理账户转移合并手续，不得重复缴存。 8月25日，记者从山东省住房和城乡建设厅举办的"惠民公积金 服务暖人心"政府开放日活动了解到，山东济南、青岛等7个城市入选住建部灵活就业人员参 加住房公积金制度试点，今年1-7月，全省灵活就业人员新增缴存13.1万人，累计支持3.9万户灵活就业家庭解决了住房问题。 前7月13.1万灵活就业人员开缴公积金 "零材料 零跑动"线上就能开户建缴 住房城乡建设部开展灵活就业人员参加住房公积金制度试点以来，山东省住房和城乡建设厅指导济南、青岛等7个城市入选试点、总数全国第一，"鼓励灵活 ...

Core Viewpoint - Hainan Province is promoting the inclusion of flexible employment workers, such as delivery personnel and ride-hailing drivers, into the housing provident fund system to enhance labor rights and benefits for this group [2][3]. Group 1: Policy Implementation - The initiative is part of a broader action to improve labor rights for new employment forms, with collaboration among various departments including housing fund, postal services, market supervision, and transportation [2]. - A data-sharing mechanism will be established to enhance the effectiveness of outreach efforts regarding the housing fund system for flexible employment workers [2]. - The provincial transportation department will lead efforts to assess the number and demographics of ride-hailing and delivery workers across the province [2]. Group 2: Benefits and Features - The housing fund system will allow flexible employment workers to withdraw their contributions immediately upon termination of contributions, promoting better coverage for this group [3][6]. - The province will provide convenient services for flexible employment workers through the "Haiyi Ban" app, enabling them to manage their contributions easily [3]. - The contribution base for flexible employment workers will range from the minimum wage to three times the average monthly salary of employed workers in the area, with a contribution rate between 10% and 24% [4]. Group 3: Loan Policies - Flexible employment workers can access the same loan policies as regular employees, with the main difference being the required continuous contribution period (12 months for flexible workers vs. 6 months for regular employees) [7]. - The maximum loan amount for purchasing new residential housing is 800,000 yuan for individuals and 1.1 million yuan for couples [7]. - Contributions will earn interest at the same rate as regular employees, currently set at 1.5%, and additional subsidies are available for those who contribute continuously for 12 months [8].

Core Points - The trial scope for flexible employment personnel to participate in the housing provident fund system is steadily expanding [1] - By the end of 2024, 36 cities in China will have launched trials, with over 1 million flexible employment personnel contributing to the housing provident fund [1] - Among these contributors, 240,000 individuals have utilized the housing provident fund for renting or purchasing homes [1] Summary by Category Housing Provident Fund Participation - The housing provident fund system is being expanded to include more flexible employment personnel [1] - As of the end of 2024, 36 cities will be involved in the trial [1] Contribution and Utilization - Cumulatively, over 1 million flexible employment personnel have made contributions to the housing provident fund [1] - 240,000 individuals have used the fund for housing-related expenses such as renting or purchasing homes [1] Growth Metrics - In 2024, there was a net increase of 342,400 housing provident fund contributing units [1] - The number of contributors to the housing provident fund increased by 1.7407 million [1] - The scale of contributions to the housing provident fund continues to expand [1]