Under normal circumstances, the provident fund is paid by both the work unit and the individual, and the individual cannot pay the provident fund. Individuals can only pay the provident fund in the following special ways:

1. According to the relevant regulations of our country, eligible individual industrial and commercial households can open their own provident fund accounts to pay the provident fund, but they need to provide necessary information;

2. As an employee of the company, if the company fails to pay the provident fund, the employee can negotiate with the company. If the company cannot pay it, he can pay it by means of affiliation.

3. Freelancers, such as Taobao stores or Wechat business, can't pay the provident fund by themselves. They need to hang up a unit and then pay the provident fund by themselves.

Benefits of paying provident fund

1. Increase employees' income. As we know, the deposit of the housing provident fund is composed of the unit part and the individual part of the employee, but both of them belong to the individual employee. For example, if the individual pays 5 yuan and the unit also pays 5 yuan, then your provident fund account will have 1 yuan, which indirectly saves money and increases personal income.

2. Enjoy the low interest rate of the loan. Now there are two main forms of housing loans: commercial loans and provident fund loans. Some people made a comparison between the two forms. Under the comparison of different loan methods for the same house price, the provident fund loan is less than the commercial loan by more than 1, yuan. Because the interest rate of provident fund loans is lower than that of bank commercial loans in the same period, the interest is also less, which reduces the economic burden of employees.

3. Provident funds are not included in the tax portion. Provident funds are not included in the tax base according to the scope of national tax collection, which indirectly reduces the economic burden of employees. Nowadays, young people are under various pressures, and it is also a preferential policy to pay less taxes. Therefore, those who have provident funds should make good use of them.

4. Solve the problem of insufficient funds related to housing. As a savings account, the housing provident fund is a special savings fund for employees to buy a house or decorate. For example, when it is used for housing fund shortage, you can apply for withdrawing the balance of personal account of provident fund to solve the shortage of funds and alleviate the economic pressure.

5. Provide security for the aged. The provident fund can not only be used as a reserve to solve the housing financial difficulties, but also be used to supplement the old-age pension by withdrawing the balance of the provident fund from the personal account at one time after the employees meet the statutory retirement conditions. In other words, whether your provident fund is used for buying a house or decorating, it is all in it, and you can take it out for use after you retire.