Title: How to buy provident fund by yourself
Introduction
In recent years, provident fund, as an important housing security system, has attracted more and more attention from freelancers, self-employed individuals and flexible employment personnel. Many people want to know how to buy provident funds on their own without the employer paying for them. This article will provide you with a detailed guide based on the hot topics and hot content on the Internet in the past 10 days.
1. What is provident fund?
Provident Fund (Housing Provident Fund) is a long-term housing savings system jointly provided by the state and units for employees. For people without a fixed employer, some cities have opened policies for individuals to voluntarily contribute to provident funds.
| Provident fund purpose | Description |
|---|---|
| Home loan | Enjoy lower interest rates than commercial loans |
| Rent extraction | Some cities allow withdrawal of provident funds to pay rent |
| Retirement Withdrawal | The account balance can be withdrawn in one go after retirement |
2. Who can buy their own provident fund?
According to local policies, the following groups of people can usually contribute to provident funds voluntarily:
| Crowd type | Remarks |
|---|---|
| Individual industrial and commercial households | Business license required |
| freelancer | Such as writers, photographers, etc. |
| Flexible employment staff | Must meet local social security requirements |
3. Steps to buy your own provident fund
1. Confirm local policies
Different cities have greatly different regulations on individual contributions to provident funds. For example:
| city | Personal deposit conditions |
|---|---|
| Guangzhou | Required to pay social security continuously for 1 year |
| Shenzhen | Residence permit required |
| Chengdu | No social security requirements |
2. Prepare materials
Generally the following materials are required:
3. Process
| steps | Operation content |
|---|---|
| 1 | Apply for account opening at the Provident Fund Management Center or online platform |
| 2 | Sign the "Voluntary Deposit Agreement" |
| 3 | Set the deposit base and proportion (usually 5%-12%) |
| 4 | Bind bank card for automatic deduction |
4. Answers to popular questions
Q: Can I get a loan from a provident fund deposited by an individual?
A: Yes. Taking Shenzhen as an example, you can apply for a provident fund loan after making continuous deposits for 6 months, and the maximum amount is 14 times the account balance.
Q: Can the deposit amount be adjusted?
A: The deposit base can be adjusted once every July, and the "Deposit Base Adjustment Form" must be submitted.
5. Things to note
Conclusion
Purchasing your own provident fund is an important way to solve the housing problem. As policies continue to improve, more cities will open up personal deposit channels in the future. It is recommended to consult the local provident fund management center in advance to ensure that you meet the conditions and prepare relevant materials.
(Note: The data in this article are compiled from the official websites of various provident funds and recent media reports. The latest announcement of the policy shall prevail.)
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