教你怎么用住房公积金教你怎么用住房公积金（Teach you how to use housing provident fund to teach you how to use housing provident fund）

教你怎么用住房公积金教你怎么用住房公积金（Teach you how to use housing provident fund to teach you how to use housing provident fund） 教你怎么用住房公积金教你怎么用住房公积金(Teach you how to use housing provident fund to teach you how to use housing provident fund) Urban housing provident fund is a special fund for the city (county) government to solve the housing problems of administrative staff and low-income residents. City housing fund from the Treasury now for housing construction, maintenance and management of funds and subsidies, local housing fixed asset investment tax, real estate tax, the leasing of land use rights, and the sale of housing investment recovery of state owned assets and other channels to raise. The establishment of employee housing public duty is a measure to promote the reform of housing system in our country. The purpose is to solve the housing difficulties of the workers by the three sides of the state, the collective and the individual. According to the regulations, all employees who have paid the provident fund have the right to enjoy this kind of loan. They can apply for the provident fund loan according to the relevant provisions of the provident fund loan. The function of establishing employee housing accumulation fund: 1: raises housing funds; 2: improve the ability of individual housing and housing construction; 3: changes the housing welfare allocation system to the monetization distribution of housing. Housing provident fund is a compulsory housing savings. It is in accordance with the provisions of the national policy, through the "personal storage, unit funding" approach to establish a personal housing consumption funds, earmarked for personal payment of housing costs. How to make good use of housing provident fund Many provident fund payers often think that provident fund can only be used when bank loans are made. In fact, the provident fund in addition to loans, but also because of housing, housing, decoration and other matters, the provident fund this "long-term financial real estate" flexible use. According to relevant regulations, people pay for individual housing provident fund is a compulsory deposit, unified storage, special use of long-term housing savings, consists of two parts and the unit paid staff, all belong to the individual. How to make good use of and use their own provident fund, and let it maximize into real wealth, there are a lot of money management essentials. Provident fund separated by a total loan of 500 thousand Miss Xu has been working for 8 years, and recently wanted to buy a house with a provident fund loan. After understanding after Miss Xu found, according to the provident fund management regulations, if the couple both paid provident fund, to work together to buy a house, the maximum loan amount is 250 thousand yuan, if the two person in the case of unmarried, each to buy a suite, you can apply for 250 thousand yuan each fund, so that two people were obtained provident fund loans 500 thousand yuan. So Miss Xu and her boyfriend postponed the time to apply for marriage certificate. The two sides separately granted 150 thousand yuan housing provident fund for their single status. Miss Xu bought a set of 50 square meters in the vicinity of Jiaotong University, and the boyfriend bought a set of 80 square meters of commercial housing not far away. When married, Miss Xu can use only one set of housing, and another set of monthly rent of around 800 yuan, not only to reduce the pressure of repayment, but also a house. Flexible provident fund to buy a house and buy a car Chen family's monthly income in the telecommunications sector is about 6000 yuan, belonging to the middle and upper income families. In order to solve the problem of buying a house and buying a car, Mr. Chen played the idea of housing accumulation fund. After calculation, Mr. Chen found that if the same is 100 thousand yuan, 5 year loans, housing provident fund loans monthly interest rate is 3 per thousand, the monthly repayment amount is 1966.67 yuan, while the car loan interest rate is 5.025 per thousand, the monthly repayment amount to 2169.17 yuan. Even if some car dealers offer a 10% interest rate discount, the monthly repayment amount should reach 2118.92 yuan. 5 years, the difference is 3015 yuan. The current car loan period of 5 years in general, the same loan 100 thousand yuan, 5 year car loan repayment to 2169.17 yuan per year, while 20 of the provident fund loans monthly repayment as long as 716.67 yuan, this would significantly reduce the repayment pressure. It can be seen that the provident fund after effective adaptation, not only to meet the demand for housing, but also to meet the requirements such as car purchase, decoration, children's education and other requirements. Use provident fund on the edge of the knife Answer: fill in the "staff and workers with the unit purchase housing provident fund withdrawal individual housing loan application form" and the original contract, loan passbook until Chengdu city housing provident fund management center, approved by the central provident fund audit can be used for repayment. Q: after my dissolution of labor relations with the original unit, my provident fund was sealed and could it be used? How to use it? Answer: employee housing provident fund managed storage, as long as the retirement and exit settle households purchase housing withdrawal conditions and meet (such as the first payment, payments, monthly loan repayment, prepayment etc.), such as the use of dangerous overhaul conditions to prepare my withdrawal, "Chengdu provident fund transfer notice" and the original identity card and related documents, we can make the withdrawal to apply directly to the city housing provident fund management center. 1. how to meet the conditions can be used housing provident fund loans to buy a house, if the housing provident fund loans have been used, and now buy a house, you can use the housing provident fund for housing purchase? Answer: 1. continuous pay 12 months provident fund can. 2. if the housing provident fund loans have been used, all loans must be repaid, and then continue to pay 12 months to re loan.