Individual housing provident fund application process: The user is an individual business owner or a freelancer; bring the ID card, tax certificate, employment registration certificate and other materials to the local provident fund center; handle the account opening business at the designated window; after passing the approval, the housing provident fund center will

Sign a personal provident fund collection agreement with the user; after the account is successfully opened, fees will be automatically deducted every month.

It should be noted that only some areas support the application of individual housing provident funds by freelancers. In most areas, individuals must be individual industrial and commercial households to apply for provident fund accounts.

Extended information: The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups and their employees.

gold.

The definition of housing provident fund includes the following five aspects: (1) Housing provident fund is only established in cities and towns, and no housing provident fund system is established in rural areas.

(2) The housing provident fund system is established only for current employees.

The housing provident fund system is not applicable to unemployed urban residents and retired employees.

(3) The housing provident fund consists of two parts, one part is paid by the employer where the employee works, and the other part is paid by the individual employee.

After the employee's personal contribution is withheld by the unit, it is deposited into the housing provident fund's personal account together with the unit's contribution.

(4) The long-term nature of housing provident fund deposits.

Once the housing provident fund system is established, employees must make uninterrupted contributions in accordance with the regulations while on the job. Except for the employee's retirement or other circumstances stipulated in the "Housing Provident Fund Management Regulations", it shall not be suspended or interrupted.

It reflects the stability, uniformity, standardization and mandatory nature of the housing provident fund.

(5) The housing provident fund is a personal housing savings deposited by employees in accordance with regulations and used exclusively for housing consumption expenditures. It has two characteristics: first, it is cumulative, that is, the housing provident fund is not a component of employee wages and is not paid in cash.

And it must be deposited into a special account opened by the Housing Provident Fund Management Center in the entrusted bank for special account management.

The second is specificity. The housing provident fund is earmarked for special purposes. During the storage period, it can only be used to purchase, build, or overhaul self-occupied housing or pay rent according to regulations.

Employees can withdraw the housing provident fund from their accounts only when they resign, retire, die, completely lose their ability to work, terminate the labor relationship with the employer, or move out of their original city of residence.

According to our country's regulations, all enterprises should deposit housing provident funds for their employees, regardless of state-owned enterprises and private enterprises.

The part of the housing provident fund paid by enterprises and public institutions does not belong to the total salary attribute, but is an expense of the enterprise cost nature.

Nature (1) Security, the establishment of a housing provident fund system for employees provides a guarantee for employees to solve housing problems quickly and better; (2) Mutual assistance, the establishment of a housing provident fund system can effectively establish and form a housing provident fund system to help employees without housing

Mechanisms and channels for employees, and the housing provident fund provides financial help to workers without housing, which reflects the mutual assistance of the employee housing provident fund; (3) long-term, every urban employee starts from the date of joining the work until retirement or termination

During this period of labor relations, individual housing provident funds must be paid; the employer where the employee works must also pay housing provident funds for employee subsidies in accordance with regulations.