提醒！灵活就业人员可缴存使用住房公积金！
<div class="wx_rich_media_content" id="jsWxContainer"><section data-role="outer" label="edit by 135editor" style='margin-bottom: 0px;letter-spacing: 0.578px;text-wrap: wrap;outline: 0px;visibility: visible;'><section data-tools="135编辑器" data-id="89224" style='margin-bottom: 0px;outline: 0px;visibility: visible;'><section style='margin: 10px auto;outline: 0px;visibility: visible;'><section data-width="100%" style='margin-bottom: -30px;outline: 0px;width: 677px;text-align: center;visibility: visible;'><section style='margin-right: auto;margin-left: auto;outline: 0px;width: 64px;height: 64px;background: rgb(254, 254, 254);border-radius: 50%;display: inline-block;visibility: visible;'><section data-role="width" style='outline: 0px;display: inline-block;width: 32px;visibility: visible;'></section></section></section><section style='margin-top: -16px;padding: 30px;outline: 0px;font-size: 14px;color: rgb(176, 176, 177);background-color: rgb(242, 244, 245);border-radius: 10px;visibility: visible;'><p style='outline: 0px;text-align: center;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;max-inline-size: 100%;'>为了扩大住房公积金制度覆盖面</p><p style='outline: 0px;text-align: center;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;max-inline-size: 100%;'>支持孝感灵活就业人员改善居住条件</p><p style='outline: 0px;text-align: center;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;max-inline-size: 100%;'>孝感市住房公积金管理委员会发布了</p><p style='outline: 0px;text-align: center;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;max-inline-size: 100%;'>《孝感市灵活就业人员缴存使用住房公积金实施细则》</p><p style='outline: 0px;text-align: center;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;max-inline-size: 100%;'>（简称《细则》）</p><p style='outline: 0px;text-align: center;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;max-inline-size: 100%;'>自5月21日起施行</p><p style='outline: 0px;text-align: center;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;max-inline-size: 100%;'>这意味着灵活就业人员</p><p style='outline: 0px;text-align: center;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;max-inline-size: 100%;'>可在孝缴存和使用住房公积金</p></section></section></section><p style='margin-bottom: 0px;outline: 0px;visibility: visible;'><br style='outline: 0px;visibility: visible;'></p><p style='margin-bottom: 0px;outline: 0px;visibility: visible;'><strong style='outline: 0px;visibility: visible;'>该《细则》分为5章23条</strong></p><section data-role="outer" label="edit by 135editor" style='margin-bottom: 0px;outline: 0px;visibility: visible;'><section data-tools="135编辑器" data-id="97706" style='outline: 0px;visibility: visible;'><section style='margin: 10px auto;outline: 0px;visibility: visible;'><section data-lazy-bgimg="https://mmbiz.qpic.cn/mmbiz_png/fgnkxfGnnkTdJTQiaibicRYEn8lFak5AzngMdcdxZFcufNq4JibQe8G8xgM7XYSgfgI0DjGl6t6adxyIvMQNicFxibicA/640?wx_fmt=png" data-fail="0" style='padding: 1em;outline: 0px;background-repeat: repeat;background-position: center center;https://mmbiz.qpic.cn/mmbiz_png/fgnkxfGnnkTdJTQiaibicRYEn8lFak5AzngMdcdxZFcufNq4JibQe8G8xgM7XYSgfgI0DjGl6t6adxyIvMQNicFxibicA/640?wx_fmt=png");visibility: visible;'><section data-autoskip="1" data-role="list" style='outline: 0px;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;color: rgb(51, 51, 51);visibility: visible;'><section data-role="list" style='outline: 0px;visibility: visible;'><section data-role="list" style='outline: 0px;visibility: visible;'><section data-role="list" style='outline: 0px;visibility: visible;'><ul class="list-paddingleft-1" style='padding-left: 30px;outline: 0px;list-style-position: outside;visibility: visible;'><li style='outline: 0px;visibility: visible;'><p style='outline: 0px;color: rgba(0, 0, 0, 0.9);font-size: 17px;letter-spacing: 0.578px;line-height: 1.75em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;'>明确了灵活就业人员的范围及条件；</p></li></ul></section><section data-role="list" style='outline: 0px;visibility: visible;'><ul class="list-paddingleft-1" style='padding-left: 30px;outline: 0px;list-style-position: outside;visibility: visible;'><li style='outline: 0px;visibility: visible;'><p style='outline: 0px;color: rgba(0, 0, 0, 0.9);font-size: 17px;letter-spacing: 0.578px;line-height: 1.75em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;'>明确了个人账户管理，细化了个人账户设立、缴存、信息变更、转移等办理流程；</p></li></ul></section></section><section data-role="list" style='outline: 0px;visibility: visible;'><ul class="list-paddingleft-1" style='padding-left: 30px;outline: 0px;list-style-position: outside;visibility: visible;'><li style='outline: 0px;visibility: visible;'><p style='outline: 0px;color: rgba(0, 0, 0, 0.9);font-size: 17px;letter-spacing: 0.578px;line-height: 1.75em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;'>明确了灵活就业人员提取和贷款使用政策；</p></li></ul></section></section><section data-role="list" style='outline: 0px;visibility: visible;'><ul class="list-paddingleft-1" style='padding-left: 30px;outline: 0px;list-style-position: outside;visibility: visible;'><li style='outline: 0px;visibility: visible;'><p style='outline: 0px;color: rgba(0, 0, 0, 0.9);font-size: 17px;letter-spacing: 0.578px;line-height: 1.75em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;'>明确了政府缴存补贴政策；</p></li><li style='outline: 0px;visibility: visible;'><p style='outline: 0px;color: rgba(0, 0, 0, 0.9);font-size: 17px;letter-spacing: 0.578px;line-height: 1.75em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;'>明确了灵活就业人员使用公积金的风险管控。</p></li></ul></section></section></section></section></section><section data-role="paragraph" style='outline: 0px;visibility: visible;'><p style='outline: 0px;visibility: visible;'><br style='outline: 0px;visibility: visible;'></p></section></section><section data-tools="135编辑器" data-id="94528" style='margin-bottom: 0px;outline: 0px;visibility: visible;'><section style='outline: 0px;border-top: 1px dashed rgb(156, 168, 184);border-bottom: 1px dashed rgb(156, 168, 184);visibility: visible;'><section data-brushtype="text" style='padding-top: 6px;padding-bottom: 6px;outline: 0px;letter-spacing: 1.5px;color: rgb(156, 168, 184);font-size: 16px;text-align: center;visibility: visible;'><strong style='outline: 0px;visibility: visible;'><span style='outline: 0px;color: rgb(51, 51, 51);font-size: 17px;text-align: justify;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;'>主要呈现五方面特点：</span></strong></section></section><section style='margin-top: 8px;margin-right: auto;margin-left: auto;outline: 0px;width: 2em;visibility: visible;'></section></section><p style='margin-bottom: 0px;outline: 0px;'><br style='outline: 0px;'></p><section data-tools="135编辑器" data-id="142980" style='margin-bottom: 0px;outline: 0px;'><section style='margin: 10px auto;outline: 0px;'><section style='outline: 0px;display: flex;justify-content: flex-start;'><section style='padding-right: 3px;padding-left: 3px;outline: 0px;background-color: rgb(249, 234, 194);'><section style='padding: 8px 15px;outline: 0px;background-color: rgb(78, 139, 223);transform: skew(-10deg);'><section style='outline: 0px;transform: skew(10deg);'><section style='outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(255, 255, 255);'><strong data-brushtype="text" style='outline: 0px;'><span style='outline: 0px;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;'>一是“覆盖广”</span></strong></section></section></section></section></section><section style='margin-left: 5px;padding: 15px 10px 25px;outline: 0px;border-left: 1px solid rgb(244, 216, 141);'><section data-autoskip="1" style='outline: 0px;line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);'><p style='outline: 0px;'><span style='outline: 0px;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;'>达到法定就业年龄，具有完全民事行为能力，在孝感市范围内以非全日制、个体经营、新业态等方式就业的人员和在读大学生，包括个体工商户及其雇工、快递外卖人员、家政服务人员、餐饮业服务人员、网约车驾驶员、网络主播、零工劳动者等。</span></p></section></section><section style='margin-left: 5px;outline: 0px;display: flex;'><section data-width="100%" style='outline: 0px;width: 662px;border-top: 1px solid rgb(244, 216, 141);height: 1px;overflow: hidden;'><br style='outline: 0px;'></section><section style='margin-top: -5px;outline: 0px;flex-shrink: 0;'><section style='outline: 0px;width: 10px;height: 10px;background-color: rgb(244, 216, 141);overflow: hidden;'><br style='outline: 0px;'></section></section></section></section></section><p style='margin-bottom: 0px;outline: 0px;'><br style='outline: 0px;'></p><section data-tools="135编辑器" data-id="142980" style='margin-bottom: 0px;outline: 0px;'><section style='margin: 10px auto;outline: 0px;'><section style='outline: 0px;display: flex;justify-content: flex-start;'><section style='padding-right: 3px;padding-left: 3px;outline: 0px;background-color: rgb(249, 234, 194);'><section style='padding: 8px 15px;outline: 0px;background-color: rgb(78, 139, 223);transform: skew(-10deg);'><section style='outline: 0px;transform: skew(10deg);'><section style='outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(255, 255, 255);'><strong data-brushtype="text" style='outline: 0px;'><span style='outline: 0px;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;'>二是“灵活缴”</span></strong></section></section></section></section></section><section style='margin-left: 5px;padding: 15px 10px 25px;outline: 0px;border-left: 1px solid rgb(244, 216, 141);'><section data-autoskip="1" style='outline: 0px;line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);'><p style='outline: 0px;'><span style='outline: 0px;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;'>灵活就业人员缴纳住房公积金可以选择按月缴存或灵活缴存两种方式。缴存比例可在孝感市单位职工当年缴存总额的上下限范围内自主选择。</span></p></section></section><section style='margin-left: 5px;outline: 0px;display: flex;'><section data-width="100%" style='outline: 0px;width: 662px;border-top: 1px solid rgb(244, 216, 141);height: 1px;overflow: hidden;'><br style='outline: 0px;'></section><section style='margin-top: -5px;outline: 0px;flex-shrink: 0;'><section style='outline: 0px;width: 10px;height: 10px;background-color: rgb(244, 216, 141);overflow: hidden;'><br style='outline: 0px;'></section></section></section></section></section><p style='margin-bottom: 0px;outline: 0px;'><br style='outline: 0px;'></p><section data-tools="135编辑器" data-id="142980" style='margin-bottom: 0px;outline: 0px;'><section style='margin: 10px auto;outline: 0px;'><section style='outline: 0px;display: flex;justify-content: flex-start;'><section style='padding-right: 3px;padding-left: 3px;outline: 0px;background-color: rgb(249, 234, 194);'><section style='padding: 8px 15px;outline: 0px;background-color: rgb(78, 139, 223);transform: skew(-10deg);'><section style='outline: 0px;transform: skew(10deg);'><section style='outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(255, 255, 255);'><strong data-brushtype="text" style='outline: 0px;'><span style='outline: 0px;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;'>三是“分类用”</span></strong></section></section></section></section></section><section style='margin-left: 5px;padding: 15px 10px 25px;outline: 0px;border-left: 1px solid rgb(244, 216, 141);'><section data-autoskip="1" style='outline: 0px;line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);'><p style='outline: 0px;'><span style='outline: 0px;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;'>灵活就业人员参加住房公积金制度后，与建制单位缴存职工享有同等的提取、贷款等使用政策。</span></p></section></section><section style='margin-left: 5px;outline: 0px;display: flex;'><section data-width="100%" style='outline: 0px;width: 662px;border-top: 1px solid rgb(244, 216, 141);height: 1px;overflow: hidden;'><br style='outline: 0px;'></section><section style='margin-top: -5px;outline: 0px;flex-shrink: 0;'><section style='outline: 0px;width: 10px;height: 10px;background-color: rgb(244, 216, 141);overflow: hidden;'><br style='outline: 0px;'></section></section></section></section></section><p style='margin-bottom: 0px;outline: 0px;'><br style='outline: 0px;'></p><section data-tools="135编辑器" data-id="142980" style='margin-bottom: 0px;outline: 0px;'><section style='margin: 10px auto;outline: 0px;'><section style='outline: 0px;display: flex;justify-content: flex-start;'><section style='padding-right: 3px;padding-left: 3px;outline: 0px;background-color: rgb(249, 234, 194);'><section style='padding: 8px 15px;outline: 0px;background-color: rgb(78, 139, 223);transform: skew(-10deg);'><section style='outline: 0px;transform: skew(10deg);'><section style='outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(255, 255, 255);'><strong data-brushtype="text" style='outline: 0px;'><span style='outline: 0px;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;'>四是“自愿退”</span></strong></section></section></section></section></section><section style='margin-left: 5px;padding: 15px 10px 25px;outline: 0px;border-left: 1px solid rgb(244, 216, 141);'><section data-autoskip="1" style='outline: 0px;line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);'><p style='outline: 0px;'><span style='outline: 0px;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;'>灵活就业人员自愿建缴住房公积金，也可随时终止缴存协议，自由退出住房公积金制度。自愿停止缴存住房公积金且公积金账户未被限制，可申请一次性销户提取住房公积金账户余额，协议同步终止。销户后，可再次办理住房公积金个人账户设立手续。</span></p></section></section><section style='margin-left: 5px;outline: 0px;display: flex;'><section data-width="100%" style='outline: 0px;width: 662px;border-top: 1px solid rgb(244, 216, 141);height: 1px;overflow: hidden;'><br style='outline: 0px;'></section><section style='margin-top: -5px;outline: 0px;flex-shrink: 0;'><section style='outline: 0px;width: 10px;height: 10px;background-color: rgb(244, 216, 141);overflow: hidden;'><br style='outline: 0px;'></section></section></section></section></section><p style='margin-bottom: 0px;outline: 0px;'><br style='outline: 0px;'></p><section data-tools="135编辑器" data-id="142980" style='margin-bottom: 0px;outline: 0px;'><section style='margin: 10px auto;outline: 0px;'><section style='outline: 0px;display: flex;justify-content: flex-start;'><section style='padding-right: 3px;padding-left: 3px;outline: 0px;background-color: rgb(249, 234, 194);'><section style='padding: 8px 15px;outline: 0px;background-color: rgb(78, 139, 223);transform: skew(-10deg);'><section style='outline: 0px;transform: skew(10deg);'><section style='outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(255, 255, 255);'><strong data-brushtype="text" style='outline: 0px;'>五是“方便办”</strong></section></section></section></section></section><section style='margin-left: 5px;padding: 15px 10px 25px;outline: 0px;border-left: 1px solid rgb(244, 216, 141);'><section data-autoskip="1" style='outline: 0px;line-height: 1.75em;letter-spacing: 1.5px;color: rgb(51, 51, 51);'><p style='outline: 0px;cursor: text;max-inline-size: 100%;'>依托受托银行旗舰店网点数量多、服务覆盖广等优势资源，方便灵活就业人员就近办理公积金业务，帮助其更快速、更及时地享受政策红利，实现“开户、建缴、即贷”。</p></section></section><section style='margin-left: 5px;outline: 0px;display: flex;'><section data-width="100%" style='outline: 0px;width: 662px;border-top: 1px solid rgb(244, 216, 141);height: 1px;overflow: hidden;'><br style='outline: 0px;'></section><section style='margin-top: -5px;outline: 0px;flex-shrink: 0;'><section style='outline: 0px;width: 10px;height: 10px;background-color: rgb(244, 216, 141);overflow: hidden;'><br style='outline: 0px;'></section></section></section></section></section><p style='margin-bottom: 0px;outline: 0px;'><br style='outline: 0px;'></p><p style='margin-bottom: 0px;outline: 0px;text-align: center;'>需要特别说明的是</p><p style='margin-bottom: 0px;outline: 0px;text-align: center;'>此次新政还有几大优点</p><p style='margin-bottom: 0px;outline: 0px;'><br style='outline: 0px;'></p><section data-tools="135编辑器" data-id="125360" style='margin-bottom: 0px;outline: 0px;'><section style='margin: 10px auto;padding: 13px;outline: 0px;background-color: rgb(251, 251, 255);'><section data-autoskip="1" style='padding-bottom: 13px;outline: 0px;line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);background-color: transparent;'><p style='outline: 0px;cursor: text;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;max-inline-size: 100%;'>一是缴存住房公积金的灵活就业人员可享受低息贷款，购买一套自住住房申请公积金贷款的现行年利率分别为5年以下（含5年）2.35%，5年以上为2.85%。</p><p style='outline: 0px;cursor: text;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;max-inline-size: 100%;'><br style='outline: 0px;'></p><p style='outline: 0px;cursor: text;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;max-inline-size: 100%;'>二是灵活就业人员缴存公积金时间满12个月可以享受缴存补贴，缴存补贴在人民银行规定的存款利率的基础上增加0.5%。</p><p style='outline: 0px;cursor: text;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;max-inline-size: 100%;'><br style='outline: 0px;'></p><p style='outline: 0px;cursor: text;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;max-inline-size: 100%;'>三是公积金中心对灵活就业人员缴存的住房公积金，自存入住房公积金专户之日起，按照中国人民银行规定的计息方式、利率标准计息。</p></section><section style='outline: 0px;display: flex;justify-content: flex-end;'><section data-width="25%" style='outline: 0px;max-width: 25%;width: 162.75px;border-top: 1px solid rgb(78, 132, 216);height: 1px;overflow: hidden;'><br style='outline: 0px;'></section></section></section></section></section></div> 公积金贷款利率降低，灵活就业人员可以缴公积金，都是好消息 单位职工保险都没缴住房公积金？算不算违反劳动法？ 的确是利好消息。但是反观企业不给员工缴纳保险，是不是大有人在，一抓一大把。 良行天下 发表于 2024-6-3 22:07单位职工保险都没缴住房公积金？算不算违反劳动法？
算，职工保险不缴算 交进去简单，想取出来可就麻烦了。大家考虑清楚。
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