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深圳公积金新政4月1日施行!个人可自愿多缴!

  • 2026-03-31 18:47:38
深圳公积金新政4月1日施行!个人可自愿多缴!
2026年3月16日，深圳市正式印发新版《深圳市住房公积金管理办法》，将于4月1日起正式施行。此次修订打破多项旧规，聚焦缴存灵活、覆盖广泛、权益坚实，给千万在深奋斗者送上安居“大礼包”。
01
缴存更自主，个人可自愿“加码”
打破“单位与个人缴存比例必须一致”的旧规，职工可在单位缴存比例基础上，自愿提高个人缴存比例，上限不超过12%。每个公积金年度（7月1日至次年6月30日）可调整一次，想多存住房储备、提升贷款额度，或想保持当期收入灵活，都能按需选择。
这一项的话，主要是针对企业本来公积金缴存比例不高的，公积金缴存比例为5%~12%。个人最高可自愿提高至12%（国家规定的缴存上限比例），但是比企业多的那部分比例，企业并不会同等提高。本来缴纳比例就是12%的当然也就无法继续提高了。
除此之外，可能还有一个隐藏的好处？因为缴纳个人所得税的时候，根据扣除五险一金后的工资（也就是到手工资）来计算税额的。如果本来缴纳比例是5%，但是自己提高到12%，那不就是意味着每月有7%的工资不用纳入缴税的门槛？同时每年还可以根据各自情况进行退税。如果这样的话，是不是也变相的等于增加了一部分收入？【这只是小编个人的猜测，大家可以在留言区一起讨论下】
02
覆盖更广泛，灵活就业者全面纳入
新规首次将自由职业者、个体经营者、新就业形态劳动者（如快递员、网约车司机）等灵活就业群体，全面纳入公积金缴存范围。这类人群可自愿开户缴存，享受与在职职工同等的提取、贷款权益，缴存基数和比例也能自主选择，真正实现全民普惠。
这一项对灵活就业者更友好了，可以根据需要进行缴存，即使没有企业缴纳公积金，但是自身也可以缴，从而能够享受公积金贷款。
03
权益更坚实，维权服务更便捷
强化单位缴存责任，规范欠缴、少缴处理流程，切实维护职工合法权益；建立柔性争议化解机制，公积金中心可介入调解投诉纠纷，让维权更高效。同时优化提取、贷款规则，聚焦租房、购房、还贷等核心场景，让公积金用得更舒心。
此次新版办法的施行，标志着深圳公积金制度从“单位职工专属”迈向“全民共享”，既是对新型就业形态的适配，也是深圳保障民生、吸引人才的重要举措。无论是在职职工还是灵活就业者，都能通过公积金积累，降低住房成本、实现安居梦想，在深圳拼搏更有底气。
4月1日新政正式落地，赶紧转发给身边的小伙伴，一起解锁公积金新福利～
深圳市住房公积金管理办法原文链接：
https://zjj.sz.gov.cn/ztfw/zfgjj/zcfg/content/post_12680996.html
或者直接搜索深圳市住房公积金中心，点击左下角进入住房公积金服务，点击主页政策法规即可看到最新的相关政策。
如果您觉得小编分享的内容对您有所帮助，欢迎动动小手，点点关注，您的关注是我更新的动力！
本文来自网友投稿或网络内容，如有侵犯您的权益请联系我们删除，联系邮箱：wyl860211@qq.com 。

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  1. CONNECT:[ UseTime:0.000397s ] mysql:host=127.0.0.1;port=3306;dbname=c460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000591s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.002462s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.002079s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000652s ]
  6. SELECT * FROM `set` [ RunTime:0.002566s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000629s ]
  8. SELECT * FROM `article` WHERE `id` = 521840 LIMIT 1 [ RunTime:0.000481s ]
  9. UPDATE `article` SET `lasttime` = 1777604466 WHERE `id` = 521840 [ RunTime:0.006628s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000346s ]
  11. SELECT * FROM `article` WHERE `id` < 521840 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000461s ]
  12. SELECT * FROM `article` WHERE `id` > 521840 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.016015s ]
  13. SELECT * FROM `article` WHERE `id` < 521840 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.020493s ]
  14. SELECT * FROM `article` WHERE `id` < 521840 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.011666s ]
  15. SELECT * FROM `article` WHERE `id` < 521840 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.026295s ]
0.173793s