这个好！九江灵活就业人员何时能够纳入住房公积金制度？
<section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><section style="margin: 10px auto; padding: 0px; text-align: center;"><section style="margin: 0px; padding: 35px 0px 15px; background-color: rgb(248, 255, 253); box-sizing: border-box;"><section style="margin: 0px; padding: 0px 25px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgba(0, 0, 0, 0.75);">10月20日，“常州市灵活就业人员参加住房公积金制度试点的政策解读新闻发布会”在市行政中心举行。</span></p></section><section style="margin: 0px; padding: 0px; box-sizing: border-box; width: 799px;"></section></section></section></section><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: center;"></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: center;"><br/></p><p></p><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><section style="margin: 10px auto; padding: 0px;"><section style="display: flex; margin: 0px; padding: 0px; align-items: flex-end;"><section style="display: flex; margin: 0px; padding: 0px; justify-content: flex-start; align-items: flex-end;"><section style="margin: 0px; padding: 6px 0px 0px 6px; background-color: rgb(248, 255, 253); border-top: 1px solid rgb(25, 132, 103); border-left: 1px solid rgb(25, 132, 103); box-sizing: border-box;"><section style="margin: 0px; padding: 0px 10px; box-sizing: border-box; width: auto; height: 28px; background-color: rgb(25, 132, 103);"><section style="margin: 0px; padding: 0px; font-size: 14px; letter-spacing: 1.5px; color: rgb(255, 255, 255); line-height: 28px;"><strong style="margin: 0px; padding: 0px; border: 0px;">12月1日起</strong></section></section></section><section style="display: flex; margin: 0px 0px 0px -1px; padding: 0px; justify-content: flex-start; align-items: flex-end; transform-style: preserve-3d;"><section style="margin: 0px; padding: 0px; box-sizing: border-box; width: 0px; height: 1px; border-bottom: 28px solid rgb(25, 132, 103); border-right: 20px solid transparent; overflow: hidden; transform: translateZ(10px);"><br/></section><section style="margin: 0px -26px 0px -20px; padding: 0px; box-sizing: border-box; width: 0px; height: 1px; border-bottom: 34px solid rgb(248, 255, 253); border-right: 26px solid transparent; overflow: hidden; transform: translateZ(9px);"><br/></section><section style="margin: 0px; padding: 0px; box-sizing: border-box; width: 0px; height: 1px; border-bottom: 35px solid rgb(25, 132, 103); border-right: 27px solid transparent; overflow: hidden; transform: translateZ(8px);"><br/></section></section></section><section style="margin: 0px 0px 0px -1px; padding: 0px; box-sizing: border-box; width: 672px; height: 1px; background-color: rgb(25, 132, 103); flex: 1 1 0%; overflow: hidden;"><br/></section></section><section style="margin: 0px; padding: 7px; border-right: 1px solid rgb(25, 132, 103); border-bottom: 1px solid rgb(25, 132, 103); border-left: 1px solid rgb(25, 132, 103); border-top: none; background-color: rgb(248, 255, 253); box-sizing: border-box;"><section style="margin: 0px; padding: 5px 15px 25px; background-color: rgb(255, 255, 255); box-sizing: border-box;"><section style="display: flex; margin: 20px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 7px; height: 7px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgba(0, 0, 0, 0.75);">在常州从事非全日制、临时性和弹性工作的灵活就业人员，都可以通过签订缴存协议的方式，自愿参加住房公积金制度，与单位在职职工同等享受住房公积金提取、贷款等政策优惠，缴存的住房公积金不仅可以享受年度结息权益，还可以免缴个人所得税。</span></p></section></section><section style="display: flex; margin: 20px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 7px; height: 7px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px; caret-color: rgb(255, 0, 0); color: rgba(0, 0, 0, 0.75); font-family: 微软雅黑, sans-serif;">此次全国开展试点的城市共有6个，分别是广州、深圳、重庆、成都、苏州和<span style="margin: 0px; padding: 0px; color: rgb(186, 131, 2);">常州</span>。</span></p></section></section></section></section></section></section><p></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: justify;"><br/></p><p></p><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><section style="margin: 10px auto; padding: 0px;"><section style="margin: 0px; padding: 0px 0px 0px 3px; border-left: 2px solid rgb(25, 132, 103); box-sizing: border-box;"><section style="margin: 0px; padding: 0px 0px 0px 0.5em; border-left: 2px solid rgb(25, 132, 103); box-sizing: border-box; background-color: rgba(254, 254, 254, 0.02); color: rgb(25, 132, 103);"><section style="margin: 0px; padding: 5px 1em 5px 0.5em; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; box-sizing: border-box;"><p style="margin-top: 10px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">《常州市灵活就业人员参加住房公积金制度试点实施方案》已由市政府出台，将于12月1日起正式实施。</span></strong><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgba(0, 0, 0, 0.75);">这对推进住房公积金制度改革、打造我市“常有安居”品牌、服务我市“532”战略实施具有重要意义。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8;"><br/></p><p style="margin-bottom: 10px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgba(0, 0, 0, 0.75);">其目的就是要重点解决住房公积金制度覆盖不平衡、不充分的矛盾，帮助灵活就业人员改善居住条件，为推动住房公积金制度改革提供“常州方案”，同时也是为我市打造“国际化智造名城、长三角中轴枢纽”在留住人才人力方面提供基础支持。</span></p></section></section></section></section></section><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8;"><br/></p></section><p></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: center;"></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: center;"><br/></p><p style="margin: 0px 5px; padding: 0px; border: 0px; line-height: 2em; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: justify;"><span style="margin: 0px; padding: 0px;">市住房公积金管理中心主任吴海泳发布《实施方案》，并就市民关心的热点问题进行了答记者问。</span><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: justify;"><br/></p><p></p><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><section style="margin: 10px auto; padding: 0px; text-align: center;"><section style="display: flex; margin: 0px 20px -16px; padding: 0px; justify-content: center; align-items: center;"><section style="display: flex; margin: 0px; padding: 0px; justify-content: center; align-items: flex-end; transform: skew(-15deg);"><section style="margin: 0px; padding: 5px 9px; background-color: rgb(25, 132, 103); box-sizing: border-box;"><section style="margin: 0px; padding: 0px; letter-spacing: 1.5px; color: rgb(255, 255, 255);"><strong style="margin: 0px; padding: 0px; border: 0px;">0</strong><strong title="" style="margin: 0px; padding: 0px; border: 0px;">1</strong></section></section><section style="margin: 0px 0px 0px -5px; padding: 0px; box-sizing: border-box; width: 10px; height: 8px; background-color: rgb(255, 185, 26); overflow: hidden;"><br/></section></section><section style="display: flex; margin: 0px; padding: 0px; align-items: flex-end; flex: 1 1 0%;"><section style="margin: 0px 0px 0px 8px; padding: 0px; font-size: 14px; letter-spacing: 1.5px; color: rgb(25, 132, 103);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;"><strong style="margin: 0px; padding: 0px; border: 0px;">从灵活就业人员特点看——</strong></span></p></section><section style="margin: 0px 0px 5px 8px; padding: 0px; box-sizing: border-box; width: 501px; height: 5px; background-color: rgb(255, 211, 109); flex: 1 1 0%; overflow: hidden;"><br/></section></section></section><section style="margin: 0px; padding: 35px 25px; background-color: rgb(248, 255, 253); box-sizing: border-box;"><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; color: rgb(186, 131, 2);"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">最大程度体现灵活性。</span></strong></span><span style="margin: 0px; padding: 0px; font-size: 16px;">针对灵活就业人员的职业、收入等方面不稳定的特点，体现“宽进宽出”。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8;"><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; color: rgb(186, 131, 2);"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">“宽进”</span></strong></span><span style="margin: 0px; padding: 0px; font-size: 16px;">，放宽人员“身份”，无正式单位就业的人员均可自愿缴存住房公积金；放宽人员“年龄”，16-65周岁、具有完全民事行为能力的都符合条件；放宽缴存方式，缴存额度在当年住房公积金缴存额度的上下限范围内实行申报制，既可按月缴存，也可按一定周期提前预缴。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8;"><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(186, 131, 2);">“宽出”</span></strong><span style="margin: 0px; padding: 0px; font-size: 16px;">，自愿终止协议，未申请贷款或贷款已还清的，可随时终止缴存协议，自由退出住房公积金缴存，并可提取以灵活就业人员身份缴存的资金；转移互换灵活，在我市灵活就业缴存户与单位缴存户的不同身份之间，以及在与外省市缴存之间的异地转移，均可方便办理。</span></p></section></section></section></section><p></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: justify;"><br/></p><p></p><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><section style="margin: 10px auto; padding: 0px; text-align: center;"><section style="display: flex; margin: 0px 20px -16px; padding: 0px; justify-content: center; align-items: center;"><section style="display: flex; margin: 0px; padding: 0px; justify-content: center; align-items: flex-end; transform: skew(-15deg);"><section style="margin: 0px; padding: 5px 9px; background-color: rgb(25, 132, 103); box-sizing: border-box;"><section style="margin: 0px; padding: 0px; letter-spacing: 1.5px; color: rgb(255, 255, 255);"><strong style="margin: 0px; padding: 0px; border: 0px;">0</strong><strong title="" style="margin: 0px; padding: 0px; border: 0px;">2</strong></section></section><section style="margin: 0px 0px 0px -5px; padding: 0px; box-sizing: border-box; width: 10px; height: 8px; background-color: rgb(255, 185, 26); overflow: hidden;"><br/></section></section><section style="display: flex; margin: 0px; padding: 0px; align-items: flex-end; flex: 1 1 0%;"><section style="margin: 0px 0px 0px 8px; padding: 0px; font-size: 14px; letter-spacing: 1.5px; color: rgb(25, 132, 103);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;"><strong style="margin: 0px; padding: 0px; border: 0px;">从制度改革的方向上看——</strong></span></p></section><section style="margin: 0px 0px 5px 8px; padding: 0px; box-sizing: border-box; width: 501px; height: 5px; background-color: rgb(255, 211, 109); flex: 1 1 0%; overflow: hidden;"><br/></section></section></section><section style="margin: 0px; padding: 35px 25px; background-color: rgb(248, 255, 253); box-sizing: border-box;"><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(186, 131, 2);">最大程度体现公平性。</span></strong><span style="margin: 0px; padding: 0px; font-size: 16px;">住房公积金使用政策一视同仁，充分体现对灵活就业人员的“同权”思路。灵活就业人员参加住房公积金制度后，可以与在职职工同等享受提取、贷款和年度结息等住房公积金权益，所缴住房公积金可以免缴个人所得税。</span></p></section></section></section></section><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8;"><br/></p></section><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><section style="margin: 10px auto; padding: 0px; text-align: center;"><section style="display: flex; margin: 0px 20px -16px; padding: 0px; justify-content: center; align-items: center;"><section style="display: flex; margin: 0px; padding: 0px; justify-content: center; align-items: flex-end; transform: skew(-15deg);"><section style="margin: 0px; padding: 5px 9px; background-color: rgb(25, 132, 103); box-sizing: border-box;"><section style="margin: 0px; padding: 0px; letter-spacing: 1.5px; color: rgb(255, 255, 255);"><strong style="margin: 0px; padding: 0px; border: 0px;">0</strong><strong title="" style="margin: 0px; padding: 0px; border: 0px;">3</strong></section></section><section style="margin: 0px 0px 0px -5px; padding: 0px; box-sizing: border-box; width: 10px; height: 8px; background-color: rgb(255, 185, 26); overflow: hidden;"><br/></section></section><section style="display: flex; margin: 0px; padding: 0px; align-items: flex-end; flex: 1 1 0%;"><section style="margin: 0px 0px 0px 8px; padding: 0px; font-size: 14px; letter-spacing: 1.5px; color: rgb(25, 132, 103);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;"><strong style="margin: 0px; padding: 0px; border: 0px;">从探索实践的经验上看——</strong></span></p></section><section style="margin: 0px 0px 5px 8px; padding: 0px; box-sizing: border-box; width: 501px; height: 5px; background-color: rgb(255, 211, 109); flex: 1 1 0%; overflow: hidden;"><br/></section></section></section><section style="margin: 0px; padding: 35px 25px; background-color: rgb(248, 255, 253); box-sizing: border-box;"><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(186, 131, 2);">最大程度体现传承性。</span></strong><span style="margin: 0px; padding: 0px; font-size: 16px;">一方面，在全面总结我市个人缴存探索实践经验的基础上，试点工作继承了协议缴存、资金统筹使用等已有的良好做法，保证了个人缴存向试点工作的稳妥过渡；另一方面，试点工作又在上述灵活性、公平性方面进行了政策优化，增强了政策的吸引力，有利于推动试点工作可持续发展。</span></p></section></section></section></section><section style="margin: 20px 5px 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em;"><span style="margin: 0px; padding: 0px;">吴海泳表示，“后续我们还将提供更多线上‘不见面’服务，让灵活就业人员缴存使用住房公积金更加方便。</span><span style="margin: 0px; padding: 0px;">”市民关于试点工作有任何疑问的，都可以拨打12329进行咨询，或关注“常州住房公积金”微信公众号，随时掌握试点工作的有关情况。</span></section><p></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: center;"><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255); text-align: center;"></p><p></p><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 1.8;"><br/></p><section style="margin: 0px; padding: 0px;"><section style="margin: 10px auto; padding: 0px; text-align: center;"><section style="margin: 15px 0px 0px; padding: 0px 10px 15px; background-color: rgb(248, 255, 253); box-sizing: border-box;"><section style="display: flex; margin: 0px; padding: 0px; justify-content: center; align-items: flex-start; transform: translate(0px, -7px);"><section style="margin: 1px 0px 0px; padding: 0px; box-sizing: border-box; width: 0px; height: 1px; border-bottom: 7px solid rgb(8, 94, 71); border-left: 7px solid transparent; overflow: hidden;"><br/></section><section style="display: inline-block; margin: 1px -1px 0px; padding: 0px;"><section style="margin: 0px; padding: 6px 25px; background-color: rgb(25, 132, 103); border-radius: 0px 0px 8px 8px; box-sizing: border-box;"><section style="margin: 0px; padding: 0px; font-size: 14px; letter-spacing: 1.5px; color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 16px;"><strong style="margin: 0px; padding: 0px; border: 0px;">【政策解读】</strong></span></section></section></section><section style="margin: 1px 0px 0px; padding: 0px; box-sizing: border-box; width: 0px; height: 1px; border-bottom: 7px solid rgb(8, 94, 71); border-right: 7px solid transparent; overflow: hidden;"><br/></section></section><section style="margin: 0px; padding: 25px 15px; background-color: rgb(255, 255, 255); box-sizing: border-box;"><section style="display: flex; margin: 15px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 8px; height: 8px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; color: rgb(25, 132, 103);"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">1.灵活就业人员符合什么条件可以参加住房公积金制度？</span></strong></span></p><p style="margin-top: 0px; margin-bottom: 15px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">具有完全民事行为能力年龄<span style="margin: 0px; padding: 0px; color: rgb(186, 131, 2);">满16周岁至65周岁</span>的自由职业者、个体工商户及其雇佣人员以及从事非全日制、临时性和弹性工作的从业人员，可以申请自愿缴存住房公积金。</span></p></section></section><section style="display: flex; margin: 15px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 8px; height: 8px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; color: rgb(25, 132, 103);"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">2.灵活就业人员如何办理住房公积金开户手续?</span></strong></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">灵活就业缴存人员可选择常州市住房公积金微信公众号等线上渠道办理开户，开户时需与公积金中心签订《常州市灵活就业人员住房公积金缴存使用协议》；</span></p><p style="margin-top: 10px; margin-bottom: 15px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">灵活就业人员也可凭本人有效身份证件、银行借记卡至公积金中心指定的银行（建行、工行、农行、中行、交行、江苏银行、江南银行）柜面办理开户。</span></p></section></section><section style="display: flex; margin: 15px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 8px; height: 8px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(25, 132, 103);">3.灵活就业人员月缴存额可以自由确定吗？</span></strong></p><p style="margin-top: 0px; margin-bottom: 15px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">可以。灵活就业缴存人员可在公积金中心每年公布的月缴存额上下限范围内自主确定月缴存额。当前月缴存额下限为202元，上限为6720元，后期如有调整，公积金中心将及时对外公布。</span></p></section></section><section style="display: flex; margin: 15px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 8px; height: 8px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(25, 132, 103);">4.灵活就业人员可以随时提取自己缴存的住房公积金吗？</span></strong></p><p style="margin-top: 0px; margin-bottom: 15px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">灵活就业缴存人员在没有申请住房公积金贷款(含公转商贷款)，或没有尚未还清的住房公积金贷款的情况下，可以随时终止缴存协议,提取灵活缴存的全部资金。</span></p></section></section><section style="display: flex; margin: 15px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 8px; height: 8px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(25, 132, 103);">5.灵活就业缴存人员享受的公积金贷款权益与单位缴存职工有差别吗？</span></strong></p><p style="margin-top: 0px; margin-bottom: 15px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">没有差别。灵活就业缴存人员住房公积金贷款条件、程序、额度（配贷规则、贷款额度最高限额）、期限、利率、还款等规定，都是参照单位缴存职工住房公积金贷款相关规定执行，所以贷款权益与单位缴存职工一致，享受灵活还款（提前还款无次数限制、无违约手续费）、低首付（首次贷款首付比例20%）、低利率（五年期以上贷款年利率仅3.25%）的贷款权益。与商业性银行住房贷款比起来，申请住房公积金贷款30年60万元可节省利息支出32万元左右。</span></p></section></section><section style="display: flex; margin: 15px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 8px; height: 8px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(25, 132, 103);">6.灵活缴存资金怎么计息？</span></strong></p><p style="margin-top: 0px; margin-bottom: 15px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">缴存资金按照中国人民银行规定的住房公积金存款利率计息，目前为每年1.5%，以后中国人民银行若调整利率，则按调整后利率计息。</span></p></section></section><section style="display: flex; margin: 15px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 8px; height: 8px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(25, 132, 103);">7.灵活缴存的住房公积金可以抵扣个人所得税吗?</span></strong></p><p style="margin-top: 0px; margin-bottom: 15px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">灵活缴存的住房公积金与单位缴存一样,可按规定免缴个人所得税。</span></p></section></section><section style="display: flex; margin: 15px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 8px; height: 8px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(25, 132, 103);">8.灵活就业人员符合什么条件可以申请公积金贷款?</span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">灵活就业人员同时满足以下条件，可以申请住房公积金贷款（含公转商补息贷款）：</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">（1）借款申请人为年满18周岁的具有完全民事行为能力的自然人；</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">（2）未使用过住房公积金贷款或使用过1次住房公积金贷款但已结清；</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">（3）申请贷款时住房公积金汇缴正常，往前推算6个月个人已连续缴存住房公积金；</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">（4）能提供本人购买商品住房、二手住房、经济适用住房或建造、大修自住住房等有效证明材料；</span></p><p style="margin-top: 0px; margin-bottom: 15px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;">（5）个人信用良好，具有较稳定的经济收入来源和偿还贷款本息的能力。</span></p></section></section><section style="display: flex; margin: 15px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 8px; height: 8px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(25, 132, 103);">9.住房公积金缴存者换工作后，公积金怎么办？</span></strong></p><p style="margin-top: 0px; margin-bottom: 15px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;"></span><span style="margin: 0px; padding: 0px; font-size: 16px;">找到新工作，与用人单位建立劳动关系后，用人单位依规为职工缴纳住房公积金，将住房公积金个人账户转入单位继续缴存。职工离职后，可以自行转为灵活就业人员继续缴存。离开常州，并在异地建缴住房公积金，只要符合异地转移接续条件，个人向转入地公积金中心提出申请通过后，可以将在常州缴存的公积金转入当地公积金账户。</span><span style="margin: 0px; padding: 0px; font-size: 16px;"></span></p></section></section><section style="display: flex; margin: 15px 0px 0px; padding: 0px; justify-content: flex-start; align-items: flex-start;"><section style="margin: 8px 8px 0px 0px; padding: 0px; box-sizing: border-box; width: 8px; height: 8px; background-color: rgb(246, 174, 9); border-radius: 50%; flex-shrink: 0; overflow: hidden;"><br/></section><section style="margin: 0px; padding: 0px; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(65, 76, 70); background: transparent;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 16px; color: rgb(25, 132, 103);">10.灵活就业人员缴存住房公积金试点实施后，原个人缴存户怎么办？</span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; border: 0px; line-height: 2em; letter-spacing: 0.5px;"><span style="margin: 0px; padding: 0px; font-size: 16px;"></span><span style="margin: 0px; padding: 0px; font-size: 16px;">原住房公积金个人缴存者的缴存、使用和管理，自《常州市灵活就业人员参加住房公积金制度试点管理办法》（简称《管理办法》）实施之日起，按照《管理办法》执行，个人缴存户住房公积金账户余额纳入灵活缴存统一管理。</span></p></section></section></section></section></section></section></section><p></p><p></p><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); white-space: normal; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); clear: both; min-height: 1em; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><hr style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; border-style: solid; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-color: rgba(0, 0, 0, 0.1); transform-origin: 0px 0px; transform: scale(1, 0.5); box-sizing: border-box !important; overflow-wrap: break-word !important;"/><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.5em; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgba(0, 0, 0, 0.8); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif; font-size: 14px; letter-spacing: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;">来源：常报新媒体</span></p></section></section><p></p><link rel="stylesheet" href="http://bbs.jjxw.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_c8R" id="wcn_editor_css"/> 灵活就业人员的福音。这个该大力推广 账户没钱了？ 好像交了就买的起房一样 横竖都是自己全额缴纳的钱、只是换了一个说法，你觉得有什么实际意义呢？如果仅仅是想借用’公积金‘之名少支付一点贷款利息，直接请求降低利息不更好么？何来多此一举？？！！ 挺好的 你以为是赚到了，其实是公积金赚到了 算不过专业的 好事 不错不错，这个政策是相当给力
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