target

from October 4th, Mianyang's individual industrial and commercial households, online car drivers, express delivery personnel, catering service personnel, domestic workers, building decoration personnel, network anchors and other flexible employees who are self-employed, part-time and in new employment forms can all deposit and use the housing provident fund.

How to handle it

From October 4th, flexible employees can handle it like this:

1. Online. Go to I Mianyang APP or "Mianyang Provident Fund" WeChat WeChat official account for account opening and deposit.

2. offline. Go to the housing provident fund service window.

Lower limit of deposit

You can choose to make equal monthly deposit, independent monthly deposit or flexible and free deposit, and the lower limit of deposit amount is 198 yuan.

loan amount

If an individual participates in the pilot project and deposits normally, the maximum loan amount is 511,111 yuan;

if both husband and wife participate in the pilot project and deposit normally, the maximum loan amount is 711,111 yuan.

what are the conditions for applying for a loan? Under what circumstances can I withdraw the provident fund?

The housing accumulation fund paid by flexible employees will bear interest at the benchmark interest rate of one-year time deposit from the time it is included in the personal account, and can also enjoy tax exemption treatment, which can be deducted from the personal taxable income according to law. After three years of deposit, you can apply for a provident fund loan and enjoy a loan interest rate lower than that of the bank during the same period. At the same time, flexible employees can also withdraw provident fund to pay rent, house purchase and mortgage repayment.