First of all, answer directly.

If the provident fund is handled by individuals, it must be individual industrial and commercial households or freelancers (and only allowed in some areas). The specific steps are as follows.

Second, the specific analysis

Step one.

Prepare personal identity card, proof of payment of endowment insurance or income tax in the previous year, employment registration certificate (registered as unemployed), passbook of personal savings account or bank card of the bank, etc.

Step two.

Bring the above information to the local housing provident fund management center to apply for opening an individual housing provident fund account.

Step three.

After examination and approval, the housing provident fund management center signed an agreement with the housing provident fund management center to collect and deposit the provident fund, and opened an account to realize automatic monthly collection.

Non-individual industrial and commercial households and freelancers can choose a professional human resources service company to open an account and pay the provident fund if they cannot join a certain unit.

Although many online loans do not have credit information now, each small loan platform has its own third-party big data credit information platform. If a company is overdue or fails to repay the loan, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on Beijian Quick Check to keep abreast of your big data status. It is an online loan big data query system that provides comprehensive, accurate and complete data information for online loan applicants.

Three, commercial loans to provident fund loans need what materials?

If you want to convert commercial loans into provident fund loans, the information you need to provide mainly includes.

1, personal identity card, household registration book (married people need to prepare a marriage certificate with their spouse).

2. Real estate license and state-owned land use certificate.

3. The loan contract signed with the handling bank and the purchase contract signed with the real estate developer when handling the original commercial loan purchase.

4. Detailed repayment records issued by the original commercial loan bank and proof of the original commercial loan balance and remaining term as of the date of applying for transfer to provident fund loan.

5, the local housing provident fund management center approved by the housing assessment agencies issued by the housing assessment report.

6. Notarized letter of intent for mortgage issued by the owner of the house property.

7. Housing mortgage certificate provided by the original commercial loan bank and stamped with the official seal of the bank (faster mortgage certificate or housing ownership certificate).

If you don't know what information you need to prepare, you can also contact the staff of the local housing provident fund management center by phone before the business is transferred to the public, so as to avoid carrying insufficient information and affecting business handling.

2. Individuals in Wenzhou can apply for deposit of provident fund. Can the provident fund be paid in full?

Payment of housing provident fund:

The proportion of provident fund deposit shall not be less than 5% of the wages of employees, and the county (city) that initially established the housing provident fund system may be appropriately lower than this proportion. The maximum contribution rate of the unit can be increased to 15% of the employee's salary, and the individual contribution rate can be increased to10% of the employee's salary;

For employees who join the work after 1998 12 15, the unit can pay up to 25% of the employee's salary, and the individual contribution ratio shall not be lower than 10% of the employee's salary, but not higher than 15%.

How does the unit pay the provident fund:

The old unit went to the housing provident fund management center to register the housing provident fund deposit, and after being audited by the housing provident fund management center, it went to the entrusted bank to go through the formalities for the establishment of housing provident fund accounts for its employees. Each employee can only have one housing provident fund account. Housing provident fund management center to establish a detailed account of employee housing provident fund, record the deposit and withdrawal of employee individual housing provident fund;

The new unit shall, within 30 days from the date of its establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, go to the entrusted bank to go through the formalities for the establishment of housing provident fund accounts for its employees;

Unit merger, division, cancellation or bankruptcy, should be within 30 days from the date of the above situation, by the original unit or liquidation organization to the housing provident fund management center for change or cancellation of registration, and within 20 days from the date of completing the change or cancellation of registration, to the housing provident fund management center audit documents.

How do individuals pay the provident fund:

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center;

Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.

Precautions:

It is very important to know the payment of housing provident fund, and the payer needs to pay the fees according to the payment regulations to ensure the smooth payment of housing provident fund;

Housing accumulation fund has both welfare and reward, which is a good policy form to relieve stress for modern people.

3. How does Wenzhou handle individual provident fund?

Processing channel

1. If you meet the application requirements, please bring your ID card and bank card to the office hall of the provident fund branch.

2. Open the "Li Zhe Office" APP, click the "Provident Fund" module on the home page or enter "Wenzhou Provident Fund" in the search box, click "Deposit Registration" for face verification, and then click "Deposit Registration (Account Opening)"-"Individual Industrial and Commercial Households, Flexible Employees (Freelancers)" to complete the relevant information and submit the approval application online.

Can Wenzhou individuals apply for provident fund deposit, and can the provident fund be turned over?

Wenzhou local household registration personnel can personally pay the provident fund, and foreign household registration personnel can't personally pay it, so they must apply for the provident fund.