What is the maximum loan for Zhengzhou's provident fund?

Copying this matter, we can see that the urban housing provident fund is a special fund of a city (county) government to solve the housing problems of employees and low-income residents in administrative institutions. Urban housing fund is now used for housing construction, maintenance, management and financial subsidies at the same level, local extraction of housing fixed assets investment direction adjustment tax, property tax, land use right transfer fees, and the sale of state-owned assets and other housing repair funds.

The construction of workers' housing gold mine is a measure to reform the housing system in China, aiming at solving the housing difficulties of workers jointly by the state, collectives and individuals. According to the regulations, employees who enter the provident fund to enjoy such loans can apply for provident fund loans in the relevant provisions of provident fund loans.

The role of employee housing provident fund:

1: improve housing financing;

2. Improving individual housing and building capacity;

3. Housing Welfare Distribution The change of monetized housing distribution system.

Housing accumulation fund and housing savings are an obligation. It is a personal housing consumption fund established in the form of "individual storage and unit contribution" in accordance with national policies and regulations, which is specially used for individuals to pay housing expenses.

Why is it still good? A great housing provident fund has to pay a lot of doorways.

Often only the bank loan funds used at that time are considered. In fact, in addition to provident fund loans, but also because of housing, construction, decoration and other matters, the provident fund "long-term financial real estate" will be used flexibly According to the relevant regulations, the public * * * fee belongs to the compulsory individual housing provident fund deposit, which adopts a unified storage method and uses two parts of special long-term housing savings, which are owned by employees and owned by units. How to make good use of your own funds and turn them into real wealth to the greatest extent, there are many financial essentials.

Separate provident fund loan * * * 500,000 yuan.

Miss Xu is 8 years old and recently wants to buy a house with a provident fund loan. After getting to know each other, Miss Xu found that according to the regulations on provident fund management, if both husband and wife pay provident fund, the maximum loan amount after buying a house is 250,000 yuan. If two unmarried people buy a suite, then you can apply for a provident fund of $250,000 each, so that two people can get a provident fund loan of $500,000.

Miss Yu Shihu and her boyfriend delayed the marriage certificate, and each housing provident fund loan was 654.38+0.5 million yuan. Miss Xu bought a small apartment of 50 square meters near Jiaotong University, while her boyfriend bought a house of 80 square meters far away. When a young lady gets married, she can only use one apartment, and the other one is rented out in 800 yuan every month, which can not only reduce the economic pressure, but also compare with a house.

Flexible fund, buying a house and buying a car

In the telecommunications sector, Chen Jiaren's monthly salary is 6,000 yuan, belonging to an upper-middle income family. In order to solve the problem before buying a car, Mr. Chen started the idea of housing provident fund. After calculation, Mr. Chen found that it is also a five-year period. If the loan is 100000 yuan, the monthly housing provident fund loan interest rate is 3‰ and the monthly repayment amount is 1966.67 yuan, while the monthly car loan interest rate is 5.025‰ and the monthly repayment amount is 2 169. 17 yuan. Although some car dealers offered a preferential interest rate of 10%, the monthly repayment reached 2 1 18.92 yuan. After five years, there is a difference of 30 15 yuan.

At present, the term of auto loan is generally less than five years, and the same loan is 654.38+10,000 yuan. The monthly repayment amount of a five-year car loan is 265.438+069. 17 yuan, while the monthly repayment amount of a 20-year provident fund loan is only 765.438+06.67 yuan, which greatly reduces the repayment pressure. It can be seen that an effective provident fund should not only meet the housing demand, but also meet the needs of house purchase, decoration and children's education. P> invests funds wisely.

Miss Hu resigned from her former unit, which will purchase 15 years and withdraw one hand from Ms. Hu's provident fund account. Ms. Hu wants to decorate her home recently. She believes that the deposit interest rate of the provident fund is very low and the fund account is worthless. He intends to do this in order to withdraw the renovation cost of the housing provident fund. However, after studying Ms. Hu, I found that according to the regulations, when the housing provident fund is withdrawn at an annual interest rate of 0.72%, the interest rate of the housing provident fund carried over from the previous year is 1.7 1%, and no personal income tax is levied. Although personal income tax is saved, the annual demand is only 0.576% after tax, and the interest rate of one-year time deposit is only 1.584% after tax. It can be seen that both demand deposits and one-year fixed deposits have lower actual income than provident fund deposits.

The relevant person in charge of the provident fund management center told the reporter that if it is not a money fund account that is eager to deduct the house payment from the provident fund, it will have absolute peace of mind, energy and cost performance, not to mention a second chance to pay the loan fund account in time. If it is not borrowed funds and loans, but provident fund loans and commercial loans deducted from the money in the provident fund account, it is better to prepare a separate sum of money, which is also the first commercial loan.

Money is also an important welfare.

Perhaps many people know that unemployment insurance and pension without medical insurance are absolutely impossible, but if there is no "fund" for minor problems. In fact, the fund will also pay the law. If the employee gives up the "fund", it means giving up a very important welfare, or even giving up the pension.

Miss Lin graduated from college for two years and changed to several units, but each unit did not pay her provident fund. At first, Ms. Lin didn't care much about the lack of funds, but later she found that the loan my colleague used to buy housing provident fund had many advantages over commercial loans. For example, the interest rate of housing provident fund personal housing loan is 1-5 years, and the interest rate of 6-30 years is 3.6%, which is 4.05%. The interest rates of commercial loans purchased are 1-5 years, 4.77%, and 6-30 years, 5.04%, which is a pity for Ms. Bilin.

The person in charge of Chengdu Provident Fund Management Center pointed out that although it is becoming more and more frequent, we should always pay attention to protecting our "funds". After signing the labor contract, employees can ask the company to pay their funds. What needs special attention is that when the work changes, the principal and interest of the housing provident fund will be transferred to the new unit, and the provident fund account will be adjusted accordingly.

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Hot issues of funds

Q: Can I apply for a provident fund loan to buy a second suite?

A: Yes. However, if the borrower purchases the first home with the housing provident fund loan, he should repay the loan first and then apply for the provident fund loan.

Q: When buying a house, the children or minors represented by them have no jobs. Can they apply for housing provident fund loans?

A: No. Only the housing provident fund management center is located in Chengdu for more than 1 year, and my spouse and I can apply for provident fund loans when buying self-occupied housing.

Q: If you buy goods, can you stop paying the provident fund?

A: Once the housing provident fund system is established, the required contributions of employees during their employment must be uninterrupted, and it shall not be terminated or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund.

Q: If the provident fund loan is used to buy a house and is "transferred" to others, can I apply for a provident fund loan again?

A: No. Housing provident fund loans can no longer be loaned, and borrowers must pay off their loans before they can apply for provident fund loans again.

Q: I bought a house with a loan from a commercial bank. How can I withdraw the provident fund and pay it every month?

Answer: Workers fill in the Application Form for Withdrawing Employee's Individual Housing Provident Fund and the housing loan and loan passbook unit of the original contract at Chengdu Housing Provident Fund Management Center until the withdrawn provident fund is approved by the inspection center and can be used for monthly deposit.

Q: My fund was blocked due to the labor relations in my previous unit, but I can't use it? How to use it?

A: As long as the conditions of retirees and immigrants are met, the custody of employee housing provident fund will attract families to buy houses (such as cross down payment, final payment, monthly payment and advance payment). ).), overhaul and other dangerous situations, use extraction, prepare the Chengdu Fund Transfer Application Form, ID card and related supporting materials, and directly apply to the Municipal Housing Provident Fund Management Center for extraction.

1。 What conditions do I need to meet to buy a house with a housing provident fund loan? If you have already paid the housing provident fund loan, can you still apply for the housing provident fund to buy a house now?

A: 1. Continuous fund payment 12 months.

2。 If the housing provident fund loan has been repaid, the loan must be repaid in full, and then the loan will be repaid for 12 months.