At present, the current provident fund policy is:

According to the Regulations on the Management of Housing Provident Funds, the minimum contribution ratio of employees and unit provident funds is 5%, and the maximum contribution ratio is 20%. Units and employees can choose within this proportion. If the contribution ratio of the provident fund is reduced, the amount of the provident fund will also change accordingly.

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Give a chestnut: the amount of provident fund paid by units and individuals every month = the average salary of last month x the proportion of housing provident fund payment.

1. If your average monthly salary for 20 15 years is 5,000 yuan/month, and the previous provident fund contribution ratio is 15%, then units and individuals have to pay 5,000×15% = 750 yuan every month, and your monthly provident fund is equal to/kloc-0.

2. Assuming that the adjusted contribution ratio is reduced to 12%, units and individuals are required to pay 5,000 x12% = 600 yuan, and the monthly provident fund is 1200 yuan, which is less than that in 300 yuan before. However, the salary I got was 150 yuan.

In other words, if there is no plan to buy a house, then it is good to have a lower deposit ratio, at least to earn more money every month. But once you are ready to buy a house, the total amount of provident fund is still less than before. Of course, this example is only applicable to cities with a deposit ratio higher than 12%, and whether it will have an impact depends on how the localities adjust.

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What are the benefits of buying a house with provident fund?

Ultra low interest rate!

In 20 15, the People's Bank of China lowered the interest rate of provident fund loans four times, and the last time was August 26th. According to the above regulations, the new interest rate will be implemented from August 26th to June 26th according to the corresponding interest rate grades, namely 20 16 and 16. After the implementation of the new interest rate, the monthly repayment amount will be reduced accordingly. If the loan term is less than 5 years (including 5 years), the annual interest rate will be adjusted to 2.75%; If the loan term exceeds 5 years, the annual interest rate will be adjusted to 3.25%.

At present, the interest on commercial loans is 4.9%. For a house with a total price of 6,543,800+0,000, the down payment is 300,000, the loan period is 700,000, and the principal and interest are repaid in equal amount. The situation of commercial loans and provident fund loans are as follows:

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Commercial loan for 30 years, repayment 133743 1.34 yuan, interest payment of 63743 1.34 yuan, monthly repayment of 37 15.09 yuan.

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Provident fund loan for 30 years, repayment 10967 19.92 yuan, interest payment of 3967 19.92 yuan, monthly repayment of 3046.44 yuan.

Provident fund loans saved 668.65 yuan compared with commercial loans, and the total interest saved 2407 1 1.42 yuan, saving almost 240,000 yuan! It can be said that compared with commercial loans, provident fund loans have lower monthly payments, loan interest rates and total interest expenses, and can save the cost of buying a house.

Hope to adopt, thank you.