How to pay provident fund by yourself: hot topics and practical guides on the Internet
Recently, the issue of provident fund payment has become one of the hot topics on social platforms, especially for freelancers, flexible employees and individual industrial and commercial households. Combining the hot data of the entire network in the past 10 days, this article compiles a practical guide to provident fund payment, and attaches the latest policy comparison and processing procedures.
1. Hot provident fund-related topics across the Internet (last 10 days)
| Ranking | Topic keywords | amount of discussion | Main groups of concern |
|---|---|---|---|
| 1 | New policy on flexible employment provident fund | 285,000 | freelancer |
| 2 | Provident fund transfer process to another place | 192,000 | Inter-provincial migrant workers |
| 3 | Advantages and Disadvantages of Individual Provident Fund Payments | 157,000 | Individual industrial and commercial households |
| 4 | Provident fund loan amount calculation | 123,000 | Those who just need to buy a house |
2. The whole process of individual provident fund payment
1.Applicable people: According to the latest policy, the following three categories of people can pay provident fund independently:
- Flexible employment personnel (social security certificate required)
- Individual industrial and commercial households (business license required)
- Personnel in the transitional period of resignation (requires proof of suspension of payment from the original unit)
2.Comparison of processing channels:
| Channel type | Materials required | Processing time limit | Remark |
|---|---|---|---|
| Online processing | Electronic version of ID card, bank card | 1-3 working days | Only available in some cities |
| Offline counter | Original ID card, labor contract/business license | Instant processing | Reservation required |
| Third party payment | Power of attorney | 3-5 working days | charge service fee |
3.Payment standard reference:
| City | lowest cardinality | highest cardinality | personal ratio |
|---|---|---|---|
| Beijing | 2420 yuan | 31884 yuan | 5%-12% |
| Shanghai | 2590 yuan | 34188 yuan | 5%-12% |
| Guangzhou | 2300 yuan | 37284 yuan | 5%-12% |
3. New changes in provident fund policies in 2023
1.Inter-provincial service: The National Provident Fund mini-program is online, and relocation applications can be made online, with the processing time shortened from 14 days to 7 days.
2.Expanded extraction range: Added extraction situations such as "old community renovation", "major disease medical care", and "children's education".
3.credit link: Some cities include provident fund payment records in the credit reporting system. Failure to pay for six consecutive months may affect loan qualifications.
4. Frequently Asked Questions
Q: Is it worthwhile for individuals to pay provident fund?
A: It needs to be considered comprehensively:
-Advantages: Enjoy low-interest loans (3.1%), compulsory savings, and personal tax deductions
-Disadvantages: Fund liquidity decreases (withdrawals are subject to conditional restrictions)
Q: How to repay after the payment is stopped?
A: The additional payment needs to meet:
1. Provide proof of labor relationship during the period of suspension of payment
2. The amount of additional payment shall not exceed the current base standard.
3. A daily late payment fee of 0.05% is required (different from place to place)
5. Expert advice
1. Give priority to official channels. Third-party payment agencies have financial risks.
2. It is recommended that the payment ratio be 8%-10%, which can meet the loan requirements without causing excessive pressure.
3. Regularly check the provident fund account through the 12329 hotline or Alipay Citizen Center
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