Good news! Changsha can also pay the provident fund without a unit.

Buying a house with a provident fund loan has a low loan interest rate, which can reduce the pressure on home buyers to repay loans. But the reality is that many work units do not pay the provident fund. After all, there are only a few units that pay the provident fund. It is also very troublesome for individuals to leave their jobs and stop paying the provident fund. In the past, the provident fund was paid in the name of the unit, and it was not allowed to pay the provident fund in the name of individuals. In the future, Changsha will also establish a housing provident fund system for individual industrial and commercial households, freelancers, agricultural floating population and other flexible employees.

The provident fund system will cover individual industrial and commercial households and freelancers.

"In the past, citizens without formal work units could not pay housing provident fund." According to the relevant person in charge of Changsha Housing Provident Fund Management Center, according to the original regulations, employee housing provident fund is divided into two categories: unit deposit and individual deposit. When handling the registration of housing provident fund deposit, you need the basic information of the unit. This also makes a large number of migrant workers and flexible employees excluded from the housing provident fund system. The introduction of the new policy has expanded the coverage of the housing provident fund system and can more flexibly support the employed to improve their living conditions.

According to the Notice on Establishing Housing Provident Fund System for Flexible Employees (Draft for Review), all individual industrial and commercial households, freelancers, agricultural floating population, part-time employees and other flexible employees who are employed in Changsha and have legal income sources, who are over 18 years old, men under 60 years old and women under 55 years old, can voluntarily pay the housing provident fund, go through the formalities of deposit registration and personal account establishment, and enjoy the housing provident fund system.

No employer can open an account and deposit the provident fund after signing the agreement.

It is also mentioned in the draft for review that flexible employees in useless units need to sign the Agreement on Deposit and Use of Housing Provident Fund for Flexible Employees with Changsha Housing Provident Fund Management Center, and open a personal account in the special deposit account for "Flexible Employees" in the center. The deposit base and deposit ratio shall be implemented in accordance with the agreement signed with the center. The upper limit of the deposit base of housing provident fund for all flexible employees shall not exceed the upper limit stipulated by this Municipality, and the lower limit of the deposit base shall be calculated according to the monthly minimum wage standard of this Municipality in the previous year, and the deposit ratio shall be 8%- 12%.

In addition, all the self-owned housing (including commercial housing, policy housing and affordable housing) where I and my spouse have no housing provident fund deposit place can withdraw housing provident fund to pay rent. At the same time, actively support qualified flexible employees to apply for housing provident fund loans to solve housing difficulties and improve housing conditions. According to reports, the specific implementation details of this policy will be released in the near future.

Or pilot off-site loans with cities such as Guangzhou and Shenzhen.

20 16 Changsha housing provident fund management center will increase the loan issuance to employees who meet the housing provident fund loan conditions, so as to ensure that all loans should be made and timely loans will be made. In addition, this year, the discount loan business of housing provident fund will be launched, and combined with the revision of the Regulations on the Management of Housing Provident Fund in the State Council, the policies of employees' families to decorate their own houses, pay property fees for their own houses, and withdraw housing provident fund will be studied.

At the same time, in addition to continuing to carry out off-site loan business in Wuhan and Nanchang, the capital cities of the middle reaches of the Yangtze River urban agglomeration, we will explore and promote the off-site loan business of housing provident fund with neighboring provinces and cities such as Beijing, Guangzhou and Shenzhen and Guizhou.

(The above answers were published on 20 16-04-07. Please refer to the current actual purchase policy. )

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