1. If parents have a house, buy another house in the name of minor children;
2. Have a property under the name of a minor, and then borrow money to buy a house after adulthood;
3. If there is a house purchased in full under the name of the individual, then borrow money to buy a house;
4. There is a loan to buy a house under the name of the individual, and then the loan is purchased after the sale;
5. Use commercial loans for the first purchase and provident fund loans for the second purchase;
6. One party borrowed money to buy a house before marriage and applied for a loan to buy a house in the name of the other party after marriage, but their accounts were not together.
The purposes of the housing provident fund are as follows:
1, you can use the housing provident fund to offset the rent;
2. Housing accumulation fund can be used to build and renovate houses;
3. You can use the housing provident fund as a relief fund;
4. The housing accumulation fund can be used to pay the high medical expenses caused by serious illness;
5. You can use the housing provident fund as a pension.
To sum up, the amount of wages can directly determine the deposit base of the provident fund, and the deposit amount of the provident fund is calculated according to the proportion of wages and deposits. Specifically, the deposit base of the provident fund is the average monthly salary of employees in the previous year.
Legal basis:
"Regulations" of housing provident fund management sixteenth
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Article 17
The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio.
The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.