202 1 year provident fund ushered in a new adjustment, the following six situations can be extracted, early understanding and early benefit.

Everyone should be familiar with the housing provident fund, which is one of our "five insurances and one gold". Then, do you know that the housing provident fund system was not actually "invented" by China, but "learned" from Singapore?

Speaking of it, the benefits of provident fund are still quite many, especially in buying a house, and paying provident fund also benefits many people. However, some experts said that the current real estate market in China is "commercialized", so the provident fund system is not suitable for China.

In this regard, experts put forward the proposal of "canceling" the provident fund, and this is not the only proposal to cancel the provident fund. Many experts put forward in public that the provident fund should be abolished.

Expert: It is suggested to cancel the housing provident fund. The full name of housing provident fund is housing provident fund. Most people use provident fund to buy houses or use provident fund loans. However, provident fund is not the only way to buy a house. Most people who have no provident fund will choose commercial loans. In recent years, more and more people buy houses with commercial loans.

In this regard, China famous economist Huang said that the provident fund should be abolished. The reason given is that fewer and fewer people use provident fund now. In order to avoid the "waste" of resources, we should cancel the provident fund and reduce the burden on enterprises. This statement has aroused heated discussion among many people, and many people are very opposed to this "proposal".

However, Dong Mingzhu, a well-known domestic entrepreneur, supported this proposal, saying that the purpose of provident fund is to buy a house, and his company will provide housing for employees, so the existence of provident fund is "meaningless". Two public figures openly discussed this matter, which made many people think that the 202 1 provident fund should be abolished.

At present, there is no relevant policy that the provident fund will be cancelled. On the contrary, the Ministry of Housing and Urban-Rural Development has issued a document, from which we can see that the provident fund will not be abolished, but is still vigorously "reforming" to make the provident fund system more perfect. Now 202 1, the provident fund has ushered in a "new adjustment".

In the previous policy, the provident fund can only be used for housing loans, that is, for buying houses. But now you can also withdraw the provident fund for other purposes. 202 1 The provident fund can be withdrawn in the following six situations, and it must be withdrawn in time:

First, pay the rent. In many areas, as long as the relevant conditions are met, it is allowed to withdraw the amount from the provident fund account to pay the rent, but the amount is not uniform in different places. For example, in Shanghai, the maximum amount that can be withdrawn for rent payment can reach 300 yuan, and in Beijing, the maximum amount can reach 1.500 yuan per month.

Second, decorate the house. As long as it is the provident fund paid by me, it can be used for the decoration and decoration of my house, and the provident fund can be withdrawn by proof of the construction contract, but the total amount shall not exceed the amount generated by the decoration.

Third, low-income families. For low-income families with clear certificates, they can withdraw the provident fund with relevant certificates, which can be used to reduce the economic pressure of low-income families or for the daily expenses of low-income families.

Fourth, medical expenses. Patients with serious illness can also withdraw provident fund for medical expenses. However, it must be nine major diseases stipulated by the state before it can be extracted, and it must be reimbursed by medical insurance and insurance before it can be paid.

Fifth, repay the loan. As Huang said, many people now choose to use commercial loans, but the interest on commercial loans is relatively high. At this time, they can withdraw the provident fund to repay commercial loans and repay the principal and interest.

Sixth, go abroad to settle down. For those who intend to settle or immigrate abroad, there is no need to pay the provident fund in China, and the provident fund account needs to be "cancelled", and the previously paid part can be directly withdrawn.

In the above six cases, the provident fund can be drawn and used. At the same time, there are some special circumstances, such as retirement, laid-off or death, and the provident fund can be withdrawn. In this way, the use of provident fund will be more "extensive".

Of course, the main purpose of the provident fund is to buy a house, which has great advantages.

Advantages of provident fund Compared with commercial loans, provident fund loans have two main advantages. One is the low down payment ratio. We should know that the minimum down payment ratio of provident fund is 20%, while commercial loans have reached 30%. If it is a house of 6.5438+0 million yuan, the down payment for commercial loans will be 6.5438+0 million yuan more.

Secondly, the loan interest rate is low. At present, the interest rate of provident fund loans is 3.25% for more than five years and 2.75% for less than five years. Let's look at the LPR interest rate of commercial loans. 1 year is 3.85% and 5-year is 4.65%. Therefore, if you buy a house with a loan, the provident fund is better.

Now, provident fund not only has advantages in loans, but also can be used in many aspects, with wide application scope and high welfare. I believe that such a "reform" of the provident fund is what everyone wants to see. Therefore, the provident fund cannot be cancelled.

Once cancelled, these "benefits" of people will be gone. Moreover, it can be seen from the "attitude" of the Ministry of Housing and Urban-Rural Development that the state also attaches great importance to individual provident funds. Therefore, the relevant policies of the provident fund will only get better and better in the future and will not be cancelled.

Has everyone paid the provident fund? Have you withdrawn the provident fund? Welcome to leave a message for discussion.