How to use the provident fund?

0 1 ? Have you thought about it? How to turn provident fund card into a credit card that can be "overdrawn"

Chinese marriage, the marriage mode of "men buy houses and women buy cars" has been generally acquiesced by the public. However, in the face of high housing prices, many economically applicable prospective married men look at the ocean and sigh. So some people ask their parents for help, or simply sell their old houses and buy a big house with extra money, even if their mother-in-law and daughter-in-law are in one place, in short, they have a house. In contrast, some self-reliant people choose loans and repay them in the long years to come.

In fact, the loan seems simple, and not many people actually use it. Taking the well-known housing accumulation fund as an example, how to make the best use of it to realize preferential purchase is a concern of every property buyer. However, people often only know that the provident fund cannot be used as a down payment for buying a house, which means that buying a house through a provident fund loan requires first consumption and then withdrawal. As a result, many people postpone the purchase plan indefinitely because they can't make a down payment, and watch the balance in the provident fund account idle.

Ok, then, what if we change our mind and regard the provident fund card as a "credit card" that can be overdrawn?

In detail, if you have a large provident fund balance, you can make up the down payment with a loan, and apply for a provident fund loan according to the process when buying a house. When everything is approved, you can withdraw the provident fund and repay the loan. It is equivalent to buying a house with someone else's money and then paying off the account with your own provident fund.

But some young people who think they are smart always need someone to borrow money in this way, which seems condescending. Since I haven't worked for a long time and the balance of my provident fund account is limited, it is better to buy myself a wedding room with my parents' provident fund loan. Isn't it better that they have a long service life and a large balance of provident fund? Otherwise, the money can only be withdrawn after retirement. But dear, you may not know that this seemingly logical way is actually untenable. Because in principle, the provident fund between parents and children cannot be used with each other. Therefore, in the housing provident fund purchase and loan application, it is regarded as two families, and the children and parents are separated and counted as two families. Therefore, parents can't withdraw the provident fund unless they buy a house in their own name, but this involves the problem that they can't use the children's provident fund for a long time in the future.

What shall we do or change our inherent thinking? Since it is impossible to use the provident fund in full in the name of children or parents alone, write down the names of father and son in the room book. I still bought the house with the help of the above strategy of "borrowing first and returning later" Suppose my son is a lender, then my father can withdraw the provident fund in one lump sum before signing the house purchase contract, and my son can withdraw it regularly in the later repayment stage. This is the best of both worlds.

02 ? You should make clear the following five questions.

In addition, the following points are also what prospective young men need to pay special attention to when buying a house. (Knock on the blackboard! ! ! )

First, because the housing provident fund is a personal long-term housing savings, the purpose is to help the paid workers solve the basic housing problem through gradual accumulation. Therefore, in determining the order of provident fund loans reasonably, young people who buy the first suite should follow the order of provident fund loans first and then commercial loans, and fully enjoy the preferential interest rate policy of provident fund loans.

Second, the amount of provident fund loans has an upper limit and cannot exceed the upper limit. In other words, it is very different from commercial loans. It cannot simply calculate the loan amount according to the real estate appraisal value, but needs to comprehensively calculate according to the borrower's income, deposit amount and deposit ratio, and strictly control the maximum amount of provident fund loans.

Third, for young people with a large balance in the provident fund account and little pressure on cash expenditure at the initial stage of the loan, they can choose to use all the balance in the provident fund account to offset the loan principal. For example, the loan is 500,000 yuan and the balance of the provident fund account is 300,000 yuan. You might as well use this 300 thousand to offset most of the loan principal first, which can save a considerable interest expense.

Fourthly, the repayment method of provident fund loans is very flexible in determining the repayment amount reasonably. As long as the monthly repayment amount is not lower than the "minimum repayment amount", the borrower can determine the repayment amount at will. In other words, when applying for a housing provident fund loan, the housing provident fund management center will negotiate with the borrower to determine the loan amount, duration and the minimum repayment amount of each loan. In the process of repayment, the borrower can also adjust the monthly repayment amount through the customer service telephone of the provident fund management center, but the repayment amount in the current month should be reasonably determined to avoid excessive repayment pressure in the last few months.

Fifth, after the provident fund loan is settled, you can use the provident fund to buy a house. Whether it is a provident fund loan before marriage or after marriage, one of the husband and wife applies for a provident fund loan, which will be recorded in the provident fund center system. Therefore, before the last loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second suite. However, the first home provident fund loan has been settled, and if both husband and wife use the provident fund loan to buy a house again, it can still be regarded as the first time to buy a house, which is not restricted by the second home policy.

03 ? 1 1, the most puzzling question about provident fund.

Question 1: The father bought a wedding room for his son, but the names of the father and son were written on the room book. In this case, can both people withdraw the provident fund?

A: If the names of two people are written on the house book, assuming that the son is the lender, then the father can withdraw the provident fund in one lump sum before the signing date of the house purchase contract, and the latter cannot withdraw it unless he retires. However, as the son of the lender, in addition to one-time withdrawal, it can also be withdrawn regularly in the later repayment stage.

Question 2: If the purchaser buys a house, and the monthly provident fund is more than 3,000 yuan and the loan is 2,000 yuan, can the remaining 1000 yuan provident fund be withdrawn?

A: It cannot be extracted. However, the large repayment of property buyers can be withdrawn, that is to say, you can take the repayment certificate of the bank to the housing provident fund management center. Banks have their own thresholds for the amount of large repayment.

Question 3: Can employees in this city withdraw housing provident fund when they buy houses in different places?

A: First of all, it needs to be clear that employees in this city who want to buy a house in a different place must register locally, or they must be sent to work in the city where they buy a house in the original unit of this city, and the unit must issue a certificate to send them to work. Secondly, in the field of buying a house, you can only withdraw the housing provident fund after obtaining the property certificate. In other words, if you buy a house in this city, you only need to have a purchase contract to withdraw the provident fund, but if you want to use the provident fund in this city to buy a house in other places, you must have a real estate license. On the other hand, migrant workers need to abide by the housing provident fund withdrawal policy of foreign cities when buying a house in this city. After all, each city's provident fund policy is different, and which city's policy must be followed to withdraw the provident fund.

Question 4: Can the housing provident fund continue to repay the loan if the unit where the buyer works fails to pay as scheduled?

A: At present, when applying for provident fund loans, provident fund lenders must sign an entrustment agreement, that is, an entrustment deduction agreement. Usually provident fund loans are "one card and two households", one is a provident fund account and the other is a savings account, that is, a withholding account. The lender must deposit the first month's repayment amount, such as 3000 yuan per month, before the first month's repayment. If you deduct money on the 20th of that month, you need to deposit 3000 yuan in the first month. The first month's associated deduction is successful, and it can be circulated normally every month. However, if the balance of the provident fund account is insufficient because the unit fails to pay on time, the lender must pay attention to saving money in the savings card, otherwise it will also cause overdue penalty interest and even have bad records in the personal credit information system.

Question 5: If employees in this city resign during the period of paying the provident fund, can they join the provident fund themselves until they find the next job temporarily?

A: Employees can't continue to pay after leaving their jobs, because paying the provident fund belongs to the unit behavior. Therefore, after the employee resigns, the original unit will seal up his provident fund until the employee finds the next receiving unit. During this period, employees have no housing provident fund.

Question 6: Suppose the parents use the provident fund to repay the loan, but they die halfway, can the children continue to repay the loan with their own provident fund?

A: Only by changing the borrower can the children repay with their own provident fund. If it is a mortgage loan, you can consult the loan bank. As long as your child becomes a borrower, you can use your own provident fund. But the reality is that few people can change. In other words, if you are neither a buyer nor a borrower, you cannot withdraw the provident fund. That is, only the provident fund after the death of parents can be withdrawn, and the son cannot withdraw his own provident fund.

Question 7: How long can I withdraw the provident fund after the house purchase contract comes down?

Answer: If the house payment is paid in one lump sum, the purchaser will get the part of the provident fund given by the unit before the signing date of the purchase contract whenever he goes to the provident fund management center. But if it is a loan to buy a house, the lender can take the bank loan certificate and withdraw the provident fund at any time.

Question 8: Can the housing mortgage loan also withdraw the provident fund?

Answer: Housing mortgage loan is not a housing loan, so housing accumulation fund cannot be withdrawn.

Question 9: How to transfer the individual housing provident fund when employees who work in this city resign and go to other units?

A: Under normal circumstances, the foreign housing provident fund management center needs to issue a deposit certificate first, and then the city's housing provident fund management center will directly transfer it to the foreign provident fund account, and individuals will not take over. For example, when Tianjin employees go to work in Beijing, they can transfer the balance of the housing provident fund account and transfer the balance of the provident fund paid by Tianjin to the Beijing housing provident fund account. The audit materials to be carried include: housing provident fund dragon card or housing provident fund savings card; Identity card; The deposit certificate or account opening certificate issued by Beijing Housing Provident Fund Management Center shall record "payee's name", "payee's account number and account opening bank" and affix the seal of Beijing Housing Provident Fund Management Center.

Question 10: What should the employees in this city do if they choose to start a business in another place after resigning? Can its provident fund be withdrawn?

A: If you start a business in a foreign country, it will be temporarily sealed by the unit here in this city and withdrawn after two years. However, this "full two years" is to push back the last deposit for two years, not to push back the resignation date for two years. For example, after the employee resigns, he finds another unit and pays the provident fund, but after working for a few months, he resigns and starts a business, and the delay is two years from the date of the last payment of the provident fund.

Question 1 1: What are the conditions for renting a self-occupied house, paying the rent and withdrawing the housing accumulation fund?

Answer: First of all, the extractors and their spouses don't have their own houses in the workplace. During the normal rental period, you can only receive the housing provident fund once a quarter. For example, after they received it in June 5438+ 10, they could not receive it again in June 65438+ 10 and February of that year. Moreover, there are regulations on the amount to be charged. Generally speaking, the monthly amount cannot exceed the upper limit of 1980 yuan. If the amount withdrawn from the personal account of the drawee's housing provident fund is insufficient to pay the rent, his spouse may withdraw the paid housing provident fund. (Different cities have different extraction conditions. )

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