Shenzhen plans to introduce new regulations——
Flexible employees can voluntarily contribute to the housing provident fund
Our reporter Yang Yangteng
On March 30, the Shenzhen Housing Provident Fund Management Center issued the "Shenzhen Interim Regulations on the Management of the Deposit and Use of Housing Provident Funds for Flexible Employment Persons (Draft for Comment)" (hereinafter referred to as the "Interim Regulations"), which means self-employed individuals in Shenzhen Employers, freelancers and other flexible employment personnel will be able to apply for voluntary contributions to the housing provident fund.
This move will play a positive role in supplementing and improving the social security system.
At present, the number of flexible employment employees in my country has reached about 200 million, which has become a reservoir of employment.
The "14th Five-Year Plan" proposes to improve the multi-level social security system, with special mention of relaxing the conditions for enrolling in flexible employment to achieve full coverage of the statutory population of social insurance.
"The Interim Provisions are a major measure taken by Shenzhen to adapt to economic and social development trends and to achieve full coverage of various employment groups by the housing provident fund system, and at the same time help solve the housing problem in big cities." Song Ding, an expert from the Guangdong Real Estate Industry Association Said that Shenzhen's expansion of the coverage of the housing provident fund system this time allows flexible employees to have the right to share the provident fund policy, which reflects the government's care for this group.
The “Interim Regulations” clarify that the housing provident fund payment rate for flexible employees shall not be less than 10%, and shall not be higher than 24%; the payment base shall not be lower than the minimum wage standard of the previous year announced by the Shenzhen Municipal Human Resources and Social Security Department , Shall not exceed the maximum limit of the housing provident fund payment base set by the state.
Taking into account the relative instability of employment and income of flexible employees, the "Interim Regulations" intends to give these groups more freedom to choose. The payment and deposit ratio and base of housing provident fund for flexible employees shall be between the upper limit and the lower limit. Determine independently.
Flexible employment personnel can withdraw part or all of the balance of their personal housing provident fund account to purchase housing, pay rent, and repay the principal and interest of housing loans within the city.
According to the "Interim Regulations", when flexible employees apply for housing provident fund loans when purchasing houses in Shenzhen, the applicant's spouse, parents, and children can also apply for housing provident fund loans as co-applicants.
Employees with registered permanent residence in Shenzhen who are employed in a different place and voluntarily deposited their housing provident fund in another place can also apply for housing provident fund loans if they purchase their first home in Shenzhen.
"These clauses will dispel people's worries that they will not be able to enjoy the provident fund treatment when they leave Shenzhen and pay the money to "float", and fully consider the characteristics of flexible employment groups." Harbin Institute of Technology (Shenzhen) Party Secretary and Professor of School of Economics Wu Delin said, employment The mobility of labor and the particularity of labor relations have brought a test to the social security and services of flexible employment groups. Government departments should keep pace with the times and weave a flexible and powerful protection network to reflect the legitimate rights and interests of this group. Protection.
Different from the current regulations for payment and deposit units and their employees, flexible employees who pay for housing provident funds, in addition to calculating interest at the housing provident fund interest rate set by the state from the day when the housing provident fund is deposited into their personal account, within two years of the implementation of the system, If the payment of the housing provident fund complies with the voluntary payment agreement and has not handled the withdrawal and loan business, a one-time interest subsidy can be provided at an annual interest rate of 0.5%.
The relevant person in charge of the Housing Provident Fund Center of the Shenzhen Municipal Housing and Urban-rural Construction Bureau said that this is mainly to consider guiding flexible employees to pay and deposit housing provident funds at the beginning of the implementation of the system.
Wu Delin said that with the increasing development of scientific and technological means, in the face of the cross-province and cross-city migration of flexible employees, government departments should further promote cross-regional, cross-departmental and cross-system data sharing and business collaboration, and strengthen the government and enterprises. Employ employment data, continue to innovate social security mechanisms and methods, adapt to the development trend of emerging business formats, and actively innovate social security methods to protect the basic rights and interests of practitioners in emerging business formats.