Does everyone have a housing provident fund?

Under normal circumstances, individuals cannot pay the housing provident fund, which must be established and paid by the unit. If they pay the provident fund, they must have the official seal of the unit finance. But there are exceptions Housing accumulation fund can be paid by individuals: 1. Individuals are individual industrial and commercial households and can pay provident fund for individuals, because China stipulates that individual industrial and commercial households can pay provident fund for themselves. 2. This person is an employee of the company. If the company doesn't pay the provident fund, you can try to communicate with the company leaders about the payment of the provident fund, but if the company can't pay the provident fund for you, you can pay it all yourself. However, if an individual is unemployed and works in WeChat business or Taobao, and you are not an employer or individual industrial and commercial household, you cannot pay the provident fund. In this case, you can only pay the provident fund yourself through the affiliated unit.

Legal objectivity:

The concept of housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. The definition of housing accumulation fund includes the following five aspects: (1) Housing accumulation fund is only established in cities and towns, and there is no housing accumulation fund system in rural areas. (2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system. (3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of housing provident fund together with the unit deposit. (4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must pay it continuously according to the regulations during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund. (5) Housing provident fund is a personal housing savings fund for employees' housing consumption expenditure, which has two characteristics: first, it is cumulative, that is, although housing provident fund is an integral part of employees' wages, it is not paid in cash, and must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is special. The housing provident fund is earmarked for special purposes and can only be used for purchasing, building, overhauling self-occupied housing or paying rent during storage. Only when employees retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts. According to the regulations of China, all enterprises, whether state-owned or private, should deposit and pay housing provident fund for their employees. Housing accumulation fund is a long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. Only urban residents and urban workers have it.