9月1日起，武汉公积金政策有调整！
<section data-role="outer" label="edit by 135editor"><section data-role="paragraph" class=""><p style="text-align:center; line-height: 2em;"><span style="caret-color: red; font-size: 17px; letter-spacing: 1px; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">8月23日获悉，<br/></span></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">武汉公积金中心将于<span style="color: rgb(78, 139, 223);"><strong>今年9月1日，</strong></span></span></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">对灵活就业人员</span></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">公积金使用政策进行全面优化。</span></p><p style="text-align:center;line-height: 1.75em;"><br/></p><p style="text-align:center; line-height: 2em;"><span style="color: #4e8bdf; font-size: 17px; letter-spacing: 1px;"><strong>自此，灵活就业人员</strong></span></p><p style="text-align:center; line-height: 2em;"><span style="color: #4e8bdf; font-size: 17px; letter-spacing: 1px;"><strong>在汉购买首套或第二套住房，</strong></span></p><p style="text-align:center; line-height: 2em;"><span style="color: #4e8bdf; font-size: 17px; letter-spacing: 1px;"><strong>亦或是想将前期已办理且尚未结清的</strong></span></p><p style="text-align:center; line-height: 2em;"><span style="color: #4e8bdf; font-size: 17px; letter-spacing: 1px;"><strong>个人住房商业贷款进行置换，</strong></span></p><p style="text-align:center; line-height: 2em;"><span style="color: #4e8bdf; font-size: 17px; letter-spacing: 1px;"><strong>都可以使用公积金贷款了。</strong></span></p><p><br/></p><p style="line-height: 2em;"></p><p><br/></p><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">本次政策优化，还涉及灵活就业人员公积金贷款额度计算公式，其中<span style="color: rgb(78, 139, 223);"><strong>贷款倍数由10倍提高至20倍，缴存系数也进行了全新升级。</strong></span>优化后，以灵活就业人员在开户时一次性趸交7.5万元为例，留存1年后便可贷满120万元。</span></p><p><br/></p><p style="text-align:center; line-height: 2em;"><span style="color: #4e8bdf; font-size: 17px; letter-spacing: 1px;"><strong>此外，</strong></span></p><p style="text-align:center; line-height: 2em;"><span style="color: #4e8bdf; font-size: 17px; letter-spacing: 1px;"><strong>灵活就业人员参加公积金制度</strong></span></p><p style="text-align:center; line-height: 2em;"><span style="color: #4e8bdf; font-size: 17px; letter-spacing: 1px;"><strong>还可享受以下诸多好处：</strong></span></p><p><br/></p><section data-role="title" data-tools="135编辑器" data-id="142989" class="_135editor"><section style="margin: 10px auto;display: flex;justify-content: flex-start;align-items: flex-start;" class=""><section style="display: flex;align-items: center;"><section style="flex-shrink: 0;"><section style="font-size: 17px; letter-spacing: 1.5px; color: transparent; -webkit-text-stroke: 1px #4e8bdf; opacity: 0.5;"><p style="line-height: 2em;"><span style="letter-spacing: 1px;"><strong>0</strong><strong data-original-title="" title="">1</strong></span></p></section></section><section><section style="color: #333333;text-align: center;padding-right: 7px;padding-left: 7px;box-sizing:border-box;"><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong data-brushtype="text">购房省成本</strong></span></p></section><section style="width: 100%;border-bottom: 1px solid #faedca;margin-top: 3px;height: 1px;overflow: hidden;box-sizing:border-box;max-width:100% !important;" data-width="100%"><br/></section></section></section><section style="flex-shrink: 0;margin-left: 6px;"><section style="width: 15px;height: 0px;overflow: hidden;box-sizing:border-box;"><br/></section></section></section></section><p style="line-height:2em"><span style="caret-color: red; font-size: 17px; letter-spacing: 1px;">众所周知，公积金贷款是政策性低息贷款，贷款利率低于商业性住房贷款利率。以购买首套房，办理30年期120万元，等额本息还款方式的公积金贷款为例，按当前的贷款利率计算，可较商业性住房贷款节省近7万元的利息支出。<br/></span></p><p><br/></p><section data-role="title" data-tools="135编辑器" data-id="142989" class="_135editor"><section style="margin: 10px auto;display: flex;justify-content: flex-start;align-items: flex-start;" class=""><section style="display: flex;align-items: center;"><section style="flex-shrink: 0;"><section style="font-size: 17px; letter-spacing: 1.5px; color: transparent; -webkit-text-stroke: 1px #4e8bdf; opacity: 0.5;"><p style="line-height: 2em;"><span style="letter-spacing: 1px;"><strong>02</strong></span></p></section></section><section><section style="color: #333333;text-align: center;padding-right: 7px;padding-left: 7px;box-sizing:border-box;"><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong>购房省成本</strong></span></p></section><section style="width: 100%;border-bottom: 1px solid #faedca;margin-top: 3px;height: 1px;overflow: hidden;box-sizing:border-box;max-width:100% !important;" data-width="100%"><br/></section></section></section><section style="flex-shrink: 0;margin-left: 6px;"><section style="width: 15px;height: 0px;overflow: hidden;box-sizing:border-box;"><br/></section></section></section></section><p style="line-height:2em"><span style="caret-color: red; font-size: 17px; letter-spacing: 1px;">灵活就业人员所缴存的公积金，是灵活就业人员个人所有的住房储金，可按国家规定的存款利息计息，当前为每年1.5%。如符合一定条件，还有10%的额外利息补贴。<br/></span></p><p><br/></p><section data-role="title" data-tools="135编辑器" data-id="142989" class="_135editor"><section style="margin: 10px auto;display: flex;justify-content: flex-start;align-items: flex-start;" class=""><section style="display: flex;align-items: center;"><section style="flex-shrink: 0;"><section style="font-size: 17px; letter-spacing: 1.5px; color: transparent; -webkit-text-stroke: 1px #4e8bdf; opacity: 0.5;"><p style="line-height: 2em;"><span style="letter-spacing: 1px;"><strong>0</strong><strong data-original-title="" title="">3</strong></span></p></section></section><section><section style="color: #333333;text-align: center;padding-right: 7px;padding-left: 7px;box-sizing:border-box;"><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong data-brushtype="text"><span style="text-align: justify; caret-color: rgb(255, 0, 0); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">提取很自由</span></strong></span></p></section><section style="width: 100%;border-bottom: 1px solid #faedca;margin-top: 3px;height: 1px;overflow: hidden;box-sizing:border-box;max-width:100% !important;" data-width="100%"><br/></section></section></section><section style="flex-shrink: 0;margin-left: 6px;"><section style="width: 15px;height: 0px;overflow: hidden;box-sizing:border-box;"><br/></section></section></section></section><p style="line-height:2em"><span style="caret-color: red; font-size: 17px; letter-spacing: 1px;">以灵活就业人员身份缴存的公积金，只要家庭无未结清的公积金贷款，提取无任何限制，且可以随时通过手机操作，资金实时秒到账，灵活又方便。<br/></span></p><p><br/></p><section data-role="title" data-tools="135编辑器" data-id="142989" class="_135editor"><section style="margin: 10px auto;display: flex;justify-content: flex-start;align-items: flex-start;" class=""><section style="display: flex;align-items: center;"><section style="flex-shrink: 0;"><section style="font-size: 17px; letter-spacing: 1.5px; color: transparent; -webkit-text-stroke: 1px #4e8bdf; opacity: 0.5;"><p style="line-height: 2em;"><span style="letter-spacing: 1px;"><strong>0</strong><strong data-original-title="" title="">4</strong></span></p></section></section><section><section style="color: #333333;text-align: center;padding-right: 7px;padding-left: 7px;box-sizing:border-box;"><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong data-brushtype="text"><span style="text-align: justify; caret-color: rgb(255, 0, 0); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">税收有优惠</span></strong></span></p></section><section style="width: 100%;border-bottom: 1px solid #faedca;margin-top: 3px;height: 1px;overflow: hidden;box-sizing:border-box;max-width:100% !important;" data-width="100%"><br/></section></section></section><section style="flex-shrink: 0;margin-left: 6px;"><section style="width: 15px;height: 0px;overflow: hidden;box-sizing:border-box;"><br/></section></section></section></section><p style="line-height:2em"><span style="caret-color: red; font-size: 17px; letter-spacing: 1px;">灵活就业人员按照规定缴存的公积金，还可在计算缴纳个人所得税时依法予以扣除。<br/></span></p><p><br/></p><section data-role="title" data-tools="135编辑器" data-id="142989" class="_135editor"><section style="margin: 10px auto;display: flex;justify-content: flex-start;align-items: flex-start;" class=""><section style="display: flex;align-items: center;"><section style="flex-shrink: 0;"><section style="font-size: 17px; letter-spacing: 1.5px; color: transparent; -webkit-text-stroke: 1px #4e8bdf; opacity: 0.5;"><p style="line-height: 2em;"><span style="letter-spacing: 1px;"><strong>0</strong><strong data-original-title="" title="">5</strong></span></p></section></section><section><section style="color: #333333;text-align: center;padding-right: 7px;padding-left: 7px;box-sizing:border-box;"><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong data-brushtype="text"><span style="text-align: justify; caret-color: rgb(255, 0, 0); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">积分可落户</span></strong></span></p></section><section style="width: 100%;border-bottom: 1px solid #faedca;margin-top: 3px;height: 1px;overflow: hidden;box-sizing:border-box;max-width:100% !important;" data-width="100%"><br/></section></section></section><section style="flex-shrink: 0;margin-left: 6px;"><section style="width: 15px;height: 0px;overflow: hidden;box-sizing:border-box;"><br/></section></section></section></section><p style="line-height:2em"><span style="caret-color: red; font-size: 17px; letter-spacing: 1px;">灵活就业人员缴存公积金的年限同样纳入我市积分入户指标体系。<br/></span></p><p><br/></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">目前，武汉公积金中心</span></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">已开通灵活缴存线上办理渠道，</span></p><p style="text-align:center; line-height: 2em;"><span style="color: #4e8bdf; font-size: 17px; letter-spacing: 1px;"><strong>仅需通过微信或者支付宝，</strong></span></p><p style="text-align:center; line-height: 2em;"><span style="color: #4e8bdf; font-size: 17px; letter-spacing: 1px;"><strong>搜索“武汉公积金”小程序，</strong></span></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">点击进入后便可自主办理公积金开户业务。</span></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">灵活就业人员也可到</span></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">就近的住房公积金旗舰店办理开户业务。</span></p><p style="text-align:center; line-height: 2em;"><br/></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">更多详情，可关注</span></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">武汉住房公积金管理中心官网、</span></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">“武汉公积金”微信公众号，</span></p><p style="text-align:center; line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;">或者拨打“12329”服务热线咨询。</span></p><p><br/></p><section data-tools="135编辑器" data-id="142995" class="_135editor"><section style="margin: 10px auto;display: flex;justify-content: center;"><section><section style="width: 16px;margin-left: auto;margin-bottom: -3px;margin-right: 15px;box-sizing:border-box;"></section><section style="background-color: #4e8bdf;"><section style="padding: 9px 15px 3px 20px;border-width: 1px;border-style: solid;border-color: #f4d88d;box-sizing:border-box;transform: translate(-5px, -5px);-webkit-transform: translate(-5px, -5px);-moz-transform: translate(-5px, -5px);-o-transform: translate(-5px, -5px);"><section style="color: #ffffff;text-align: center;"><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong data-brushtype="text"> 相关链接 </strong></span></p></section></section></section></section></section></section><p><br/></p><section data-tools="135编辑器" data-id="142988" class="_135editor"><section style="margin: 10px auto;"><section style="display: flex;justify-content: flex-start;"><section style="border-width: 1px;border-style: solid;border-color: #f4d88d;background-color: #ffffff;display: flex;align-items: center;padding: 2px 10px;margin-bottom: -16px;margin-left: 10px;box-sizing:border-box;"><section style="flex-shrink: 0;padding-right: 6px;box-sizing:border-box;"><section style="width: 5px;height: 5px;border-radius: 100%;background-color: #b6b6b6;overflow: hidden;box-sizing:border-box;"><br/></section></section><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong>1、哪些人员可以参与灵活缴存？需要满足哪些条件？</strong></span></p><p style="text-align:left;font-size: 12px; color: rgb(182, 182, 182);"><br/></p></section></section><section style="background-color: #f0f5fc;padding: 30px 10px 20px;box-sizing:border-box;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: #333333;background-color: transparent;padding-top: 5px;box-sizing:border-box;"><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;" class=""><p style="line-height:2em"><span style="font-size: 17px; letter-spacing: 1px;">目前，常见的灵活就业人员有<span style="line-height: 1.41em;">：个体工商户及其雇佣人员、外卖快递人员、家政服务人员、网约车司机、建筑装修业零工、网络主播等从业人</span>员。</span></p></section><section style="max-inline-size: 100%;cursor: text;margin-left: 8px;margin-right: 8px;" class=""><br/></section><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;" class=""><p style="line-height:2em"><span style="line-height: 1.41em; font-size: 17px; letter-spacing: 1px;">同时满足以下三个条件的灵活就业人员可参与自愿缴存：</span></p></section><section style="max-inline-size: 100%;cursor: text;margin-left: 8px;margin-right: 8px;" class=""><br/></section><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;"><p style="line-height:2em"><span style="font-size: 17px; letter-spacing: 1px;">一是达到法定就业年龄且未达到法定退休年龄（即男性未满60周岁、女性未满55周岁），具有完全民事行为能力；</span></p></section><section style="max-inline-size: 100%;cursor: text;margin-left: 8px;margin-right: 8px;"><br/></section><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;" class=""><p style="line-height:2em"><span style="font-size: 17px; letter-spacing: 1px;">二是全国范围内无正常状态的个人住房公积金账户；</span></p></section><section style="max-inline-size: 100%;cursor: text;margin-left: 8px;margin-right: 8px;"><br/></section><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;"><p style="line-height:2em"><span style="font-size: 17px; letter-spacing: 1px;">三是未以单位参保职工身份设立企业职工基本养老保险账户，或虽设立了账户但已停止缴费3个月（含）及以上。</span></p></section></section></section><section style="width: 50%;border-bottom: 1px solid #f9eac2;margin-top: 10px;margin-left: auto;height: 1px;overflow: hidden;box-sizing:border-box;max-width:50% !important;" data-width="50%"><br/></section></section></section><p><br/></p><section data-tools="135编辑器" data-id="142988" class="_135editor"><section style="margin: 10px auto;" class=""><section style="display: flex;justify-content: flex-start;"><section style="border-width: 1px;border-style: solid;border-color: #f4d88d;background-color: #ffffff;display: flex;align-items: center;padding: 2px 10px;margin-bottom: -16px;margin-left: 10px;box-sizing:border-box;"><section style="flex-shrink: 0;padding-right: 6px;box-sizing:border-box;"><section style="width: 5px;height: 5px;border-radius: 100%;background-color: #b6b6b6;overflow: hidden;box-sizing:border-box;"><br/></section></section><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong><span style="color: rgb(51, 51, 51); caret-color: rgb(255, 0, 0); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">2、灵活就业人员有哪些缴存方式？</span></strong></span></p><p style="text-align:left;font-size: 12px; color: rgb(182, 182, 182);"><br/></p></section></section><section style="background-color: #f0f5fc;padding: 30px 10px 20px;box-sizing:border-box;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: #333333;background-color: transparent;padding-top: 5px;box-sizing:border-box;"><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;"><p style="line-height:2em"><span style="font-size: 17px; letter-spacing: 1px;"><span style="caret-color: rgb(255, 0, 0); background-color: transparent; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">按照《武汉市灵活就业人员住房公积金缴存使用协议》，灵活就业人员可以自主选择</span><strong style="caret-color: rgb(255, 0, 0); background-color: transparent; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">“一次性缴存”</strong><span style="caret-color: rgb(255, 0, 0); background-color: transparent; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">方式或</span><strong style="caret-color: rgb(255, 0, 0); background-color: transparent; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">“自由缴存”</strong><span style="caret-color: rgb(255, 0, 0); background-color: transparent; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">方式。</span></span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">“一次性缴存”方式是在开户后，将资金一次性缴存至个人住房公积金账户。一次性缴存额的最低标准，不得低于协议生效时武汉市规定的住房公积金最低月缴存额标准的12倍即0.26万元；一次性缴存额的最高标准，不得超过协议生效时武汉市规定的住房公积金最高月缴存额标准的12倍。</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">“自由缴存”方式分为“自主缴存”和“按月扣划缴存”。“自主缴存”是灵活就业人员可以根据自身情况灵活主动缴存，既可以一个月缴多次，也可以多个月缴一次。“按月扣划缴存”是灵活就业人员委托武汉公积金中心按月从个人关联银行卡中扣划缴存金额。</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">“自由缴存”方式的单笔缴存金额，不得低于武汉市规定的住房公积金最低月缴存额标准即221元，每月累计缴存金额不超过武汉市规定的住房公积金最高月缴存额标准。</span></p></section></section></section><section style="width: 50%;border-bottom: 1px solid #f9eac2;margin-top: 10px;margin-left: auto;height: 1px;overflow: hidden;box-sizing:border-box;max-width:50% !important;" data-width="50%"><br/></section></section></section><p><br/></p><section data-tools="135编辑器" data-id="142988" class="_135editor"><section style="margin: 10px auto;"><section style="display: flex;justify-content: flex-start;"><section style="border-width: 1px;border-style: solid;border-color: #f4d88d;background-color: #ffffff;display: flex;align-items: center;padding: 2px 10px;margin-bottom: -16px;margin-left: 10px;box-sizing:border-box;" class=""><section style="flex-shrink: 0;padding-right: 6px;box-sizing:border-box;"><section style="width: 5px;height: 5px;border-radius: 100%;background-color: #b6b6b6;overflow: hidden;box-sizing:border-box;"><br/></section></section><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong><span style="color: rgb(51, 51, 51); caret-color: rgb(255, 0, 0); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">3、灵活就业人员申请住房公积金贷款需要满足哪些条件？</span></strong></span></p><p style="text-align:left;font-size: 12px; color: rgb(182, 182, 182);"><br/></p></section></section><section style="background-color: #f0f5fc;padding: 30px 10px 20px;box-sizing:border-box;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: #333333;background-color: transparent;padding-top: 5px;box-sizing:border-box;" class=""><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;" class=""><p style="line-height:2em"><span style="caret-color: #ff0000; background-color: transparent; font-size: 17px; letter-spacing: 1px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">灵活就业人员在武汉市购买普通自住住房，可以作为主借人申请住房公积金贷款，需同时满足以下条件：</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">①在武汉市设立灵活就业人员住房公积金账户的时间超过12个月，且已按协议约定履行了缴存义务；</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">②灵活就业人员及其配偶信用良好，并符合武汉公积金中心规定的信用审核标准；</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><p style="line-height:2em"><span style="letter-spacing: 1px;">③近一年内未提取过灵活就业期间缴存的住房公积金；</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">④灵活就业人员及其配偶在武汉市和其他城市无尚未结清的住房公积金贷款；</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">⑤符合武汉市住房公积金贷款等相关规定的其它条件。</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">此次优化贷款政策后，根据测算，若灵活就业人员选择“一次性缴存”方式缴存7.5万元，留存满一年后公积金最高贷款额度可达120万元。若选择“自由缴存”方式，每月缴6000元，连续缴存满两年后最高可贷120万元，如每月缴3000元，连续缴存满三年后最高可贷120万元。</span></p></section></section></section><section style="width: 50%;border-bottom: 1px solid #f9eac2;margin-top: 10px;margin-left: auto;height: 1px;overflow: hidden;box-sizing:border-box;max-width:50% !important;" data-width="50%"><br/></section></section></section><p><br/></p><section data-tools="135编辑器" data-id="142988" class="_135editor"><section style="margin: 10px auto;"><section style="display: flex;justify-content: flex-start;"><section style="border-width: 1px;border-style: solid;border-color: #f4d88d;background-color: #ffffff;display: flex;align-items: center;padding: 2px 10px;margin-bottom: -16px;margin-left: 10px;box-sizing:border-box;"><section style="flex-shrink: 0;padding-right: 6px;box-sizing:border-box;"><section style="width: 5px;height: 5px;border-radius: 100%;background-color: #b6b6b6;overflow: hidden;box-sizing:border-box;"><br/></section></section><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong><span style="color: rgb(51, 51, 51); caret-color: rgb(255, 0, 0); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">4、灵活就业人员办理“商转公”贷款的受理范围是什么？前期已开户缴存公积金的灵活就业人员，是否可以享受优化后的公积金使用政策？</span></strong></span></p><p style="text-align:left;font-size: 12px; color: rgb(182, 182, 182);"><br/></p></section></section><section style="background-color: #f0f5fc;padding: 30px 10px 20px;box-sizing:border-box;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: #333333;background-color: transparent;padding-top: 5px;box-sizing:border-box;"><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;" class=""><p style="line-height:2em"><span style="caret-color: #ff0000; background-color: transparent; font-size: 17px; letter-spacing: 1px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">此次优化使用政策后，实现了灵活就业人员和单位缴存职工在住房公积金贷款权益上的“同质同权”。灵活就业人员住房公积金缴存满12个月后，便具备申请贷款的基本资格，如符合其他条件可申请“商转公”贷款。受理范围如下：</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">家庭名下在本市仅有一套使用个人住房商业贷款购买的住房，且无住房公积金贷款记录或仅有一次住房公积金贷款已经结清，可以就该套住房申请“商转公”贷款，执行我市首套住房公积金贷款政策。</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">家庭名下在本市仅有两套住房，且从未使用过住房公积金贷款的，可以就其中一套住房申请“商转公”贷款，执行我市第二套住房公积金贷款政策。</span></p></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section style="text-align: justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: #ff0000;line-height: 1.75em;margin-left: 8px;margin-right: 8px;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" class=""><p style="line-height:2em"><span style="letter-spacing: 1px;">此次优化使用政策后，扩大了灵活就业人员的住房公积金用途，放大了住房公积金贷款倍数，前期已与武汉公积金中心签订了缴存使用协议的灵活就业缴存人，可按优化后的政策申请住房公积金贷款，即也可以申请办理商转公贷款。</span></p></section></section></section><section style="width: 50%;border-bottom: 1px solid #f9eac2;margin-top: 10px;margin-left: auto;height: 1px;overflow: hidden;box-sizing:border-box;max-width:50% !important;" data-width="50%"><br/></section></section></section><p><br/></p><section data-tools="135编辑器" data-id="142988" class="_135editor"><section style="margin: 10px auto;" class=""><section style="display: flex;justify-content: flex-start;"><section style="border-width: 1px;border-style: solid;border-color: #f4d88d;background-color: #ffffff;display: flex;align-items: center;padding: 2px 10px;margin-bottom: -16px;margin-left: 10px;box-sizing:border-box;"><section style="flex-shrink: 0;padding-right: 6px;box-sizing:border-box;"><section style="width: 5px;height: 5px;border-radius: 100%;background-color: #b6b6b6;overflow: hidden;box-sizing:border-box;"><br/></section></section><p style="line-height: 2em;"><span style="font-size: 17px; letter-spacing: 1px;"><strong><span style="color: rgb(51, 51, 51); caret-color: rgb(255, 0, 0); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">5、灵活就业人员可以通过哪些方式办理开户缴存？</span></strong></span></p><p style="text-align:left;font-size: 12px; color: rgb(182, 182, 182);"><br/></p></section></section><section style="background-color: #f0f5fc;padding: 30px 10px 20px;box-sizing:border-box;" class=""><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: #333333;background-color: transparent;padding-top: 5px;box-sizing:border-box;"><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;"><p style="line-height:2em"><span style="background-color: transparent; font-size: 17px; letter-spacing: 1px;">目前，武汉公积金中心支持线上和线下两种开户缴存方式：</span></p></section><section style="max-inline-size: 100%;cursor: text;margin-left: 8px;margin-right: 8px;" class=""><br/></section><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;" class=""><p style="line-height:2em"><span style="font-size: 17px; letter-spacing: 1px;"><strong>线上办理：</strong>通过手机微信或支付宝搜索“武汉公积金”小程序，点击进入后找到“灵活就业人员缴存开户”版块（如有历史注册记录，则先点击“业务办理”，再进入该版块），随后按提示步骤操作便可完成开户。开设个人账户前，可通过小程序“灵活就业人员缴存测算器”版块自主测算存贷金额。</span></p></section><section style="max-inline-size: 100%;cursor: text;margin-left: 8px;margin-right: 8px;" class=""><br/></section><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;" class=""><p style="line-height:2em"><span style="font-size: 17px; letter-spacing: 1px;"><strong>线下办理：</strong>持本人有效身份证件及本人银行I类借记卡，到武汉市各商业银行住房公积金旗舰店住房公积金窗口办理，工作人员可现场帮助您测算存贷金额。住房公积金旗舰店位置可在武汉公积金中心官网或武汉公积金微信公众号“便民工具（服务）-服务网点”查询。</span></p></section><section style="max-inline-size: 100%;cursor: text;margin-left: 8px;margin-right: 8px;"><br/></section><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;" class=""><p style="line-height:2em"><span style="font-size: 17px; letter-spacing: 1px;">灵活就业人员在开设账户后应及时进行第一笔缴存。灵活就业人员自协议生效之日超过6个月仍未缴存住房公积金的，协议将自动解除，个人账户也将自动注销。</span></p></section><section style="max-inline-size: 100%;cursor: text;margin-left: 8px;margin-right: 8px;" class=""><br/></section><section style="max-inline-size: 100%;cursor: text;line-height: 1.75em;margin-left: 8px;margin-right: 8px;" class=""><p style="line-height:2em"><span style="font-size: 17px; letter-spacing: 1px;">需要特别提醒的是，灵活就业人员自其个人账户销户之日起满6个月后，方可再次办理缴存登记手续。</span></p></section></section></section></section></section></section></section><p><br/></p><section style="max-width: 100%; color: rgb(67, 74, 84); font-family: -apple-system-font, Helvetica, PingFang SC, Hiragino Sans GB, Arial, Microsoft YaHei; font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; box-sizing: border-box; overflow-wrap: break-word !important;"><section powered-by="xiumi.us" style="overflow-wrap: break-word !important; max-width: 100%; -webkit-tap-highlight-color: transparent; margin: 0.5em 0px; padding: 0px; outline: 0px; box-sizing: border-box;"><section style="overflow-wrap: break-word !important; max-width: 100%; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; box-sizing: border-box; height: 1px; background-color: rgb(160, 160, 160); line-height: 2em;"><br style="overflow-wrap: break-word !important; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important;"/></section></section></section><p style="overflow-wrap: break-word; margin-top: 0px; margin-bottom: 0px; padding: 0px; color: rgb(67, 74, 84); font-family: -apple-system-font, Helvetica, PingFang SC, Hiragino Sans GB, Arial, Microsoft YaHei; font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255);"><span style="color: rgb(136, 136, 136); letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; overflow-wrap: break-word;">来源：湖北日报</span><br/></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">制作：聂黎 | </span><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; overflow-wrap: break-word !important; box-sizing: border-box !important;">编辑：熊霞 | </span><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">责编：方军</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; font-weight: 700; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important;">出品：</span></span>蔡甸区融媒体中心</span></span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; overflow-wrap: break-word !important; box-sizing: border-box !important;"><br style="overflow-wrap: break-word !important; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important;"/></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-align: center; line-height: normal; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">您有新闻线索，请联系我们：</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">新闻热线：027-84942678</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">投稿邮箱：2187431778@qq.com</span></p><p><br/></p><link rel="stylesheet" href="//bbs.whcdrm.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_Ydx" id="wcn_editor_css"/>
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