What if an individual wants to pay the provident fund?

Individuals who want to pay the provident fund can apply to the local provident fund department with their ID cards.

In the past, the requirement for individuals to pay provident fund was that individuals were individual industrial and commercial households, and non-individual industrial and commercial households could not pay provident fund, but should be paid by employers. With the promotion of provident fund, eligible individual industrial and commercial households and freelancers who are not employed in any unit can provide their ID cards to the provident fund department to apply for housing provident fund deposit.

Belonging to individual industrial and commercial households and freelancers in cities and towns, with local household registration or residence permit in this city, men over 18 years old but under 60 years old, and women over 55 years old, who have paid the urban basic old-age insurance for more than 1 year, can voluntarily pay the housing provident fund in accordance with the provisions of these measures. Bring my ID card, bank card (CCB) and social security deposit name to the provident fund window of the administrative service center to go through the formalities.

Conditions for individuals to apply for housing provident fund loans

1. Personal deposits are mainly applicable to some freelancers and self-employed.

2. It is necessary to deposit the housing provident fund for more than one year, and the provident fund has not been withdrawn within the prescribed time limit before applying for a loan.

3. The local house has been purchased and there is a legally binding purchase contract.

4. If you are an on-the-job employee, you must pay the house advance payment before applying for the provident fund loan.

5. The borrower has stable economic income and repayment ability.

6. Other conditions stipulated by the local management center.