Graduates deposit housing provident fund, generally by the employer to the housing provident fund management center for deposit registration, and for the establishment or transfer of employee housing provident fund accounts. In addition, they can also participate in the housing provident fund system as flexible employees.
Guangzhou stipulates that flexible employees such as online car drivers, courier brothers, take-away riders, and online anchors can voluntarily pay in their own names. Guangzhou Housing Provident Fund Management Center accepts business through online and offline channels. You can open your own account through the official WeChat account, or you can go to the service halls of the Housing Provident Fund Center after making an appointment. Depositors can determine their own monthly deposit amount. The deposit base is not less than the minimum wage standard in Guangzhou, and the deposit ratio is not less than 10%. Local housing provident fund management departments have also optimized policies and services to help solve the rental needs of young people and new citizens.
"Newly-employed graduates generally have greater housing pressure, and the problem of high proportion of rental expenses in income is more prominent." The relevant person in charge of Guangdong Zhongshan Housing Provident Fund Management Center said that Zhongshan is actively implementing the strategic layout of building a high-level talent highland in Guangdong-Hong Kong-Macao Greater Bay Area and constantly optimizing the environment for talent innovation and entrepreneurship. In order to make all kinds of talents "attract, stay and use well" and solve the housing problem that talents are generally concerned about, the center has issued a policy to support the extraction of housing provident fund for newly employed graduates.
Full-time undergraduate and above graduates who have no real estate and have worked and paid the housing provident fund for three months or more can apply for full monthly withdrawal of their monthly deposit for rental expenses within two years after graduation, and can enjoy the withdrawal policy within two years from the date of application.
"The extracted housing provident fund can alleviate my economic pressure. This policy is great. " Xiao Lu, who has just graduated from work, said that the whole process from data approval to success was completed in about 5 minutes.
The relevant person in charge said, "Graduates have just joined the work, with low income and great housing pressure. Good policies can make them feel more at ease and contribute to the high-quality development of Zhongshan. "
Some areas have innovated service methods to help college graduates live a better life. Guangzhou pilot housing provident fund pays rent on a monthly basis. The depositor may authorize the local housing provident fund management center to directly transfer the housing provident fund to the renter for paying the rent every month. When renting a pilot apartment, depositors can also enjoy rent concessions and rent-free deposits. Jinan Housing Provident Fund Center, in conjunction with banks and enterprises, has introduced rental concessions. Tenants can enjoy a 10% discount on the first year's rent if they sign a contract for a designated project with a lease term of 1 year or more.
Some areas have introduced preferential policies for college graduates to buy houses. In order to fully promote all kinds of college graduates to come to Pingxiang for employment and entrepreneurship, and attract and retain more young talents, recently, Pingxiang Housing Provident Fund Management Center of Jiangxi Province issued a policy stipulating that employees with technical secondary school education or above in the past five years can enjoy the maximum loan amount if they have been employed in Pingxiang for more than six months.
Xiangtan City, Hunan Province has introduced some measures to promote college graduates to stay in the pool for employment and entrepreneurship. When local college graduates buy a house for the first time, they are allowed to withdraw the balance of their own and their spouses' housing provident fund accounts to pay the down payment. If parents have a house, they can withdraw the balance of their parents' housing provident fund in the provident fund pool to repay the loan, and the loan amount can be given priority according to the highest amount in the same situation.
Changzhou City, Jiangsu Province stipulates that graduates who enjoy subsidies for the first time, regardless of whether they enjoy fixed deposit subsidies, can increase the amount of housing provident fund loans as long as they purchase self-occupied housing for the first time in Changzhou within five years after graduation, meet the conditions of housing provident fund loans and have no record of buying houses, but the total amount shall not exceed the maximum limit of Changzhou City.
The insiders believe that giving practical support to college graduates in the use of housing provident fund is conducive to attracting college graduates to local employment and accumulating strength for urban development, and at the same time reflects the important role of housing provident fund in helping depositors solve basic housing problems.