It is said that provident fund is a good thing. The more you pay, the more money you have, which can be used to buy a house in the future. However, after so many years of social security, many people still don't know what the use of this housing provident fund is. In fact, you're not the only one who has this doubt. Today, I'm going to give you these little whites a hard time explaining what the housing provident fund is for!

I. Loan to buy a house

Employees who have paid the housing provident fund in full and continuously for a specified period (generally 6 months or more) can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

In addition, employees who have paid the housing provident fund can also apply for loans from different places to buy a house. Workers who pay housing provident fund to purchase houses outside the deposit place may apply for personal housing loans to the housing provident fund management center of the place where they purchase houses according to the housing provident fund personal housing loan policy. The housing provident fund management center at the place of deposit is responsible for issuing the Certificate of Deposit and Use of Housing Provident Fund for Employees with Loans from Different Places.

2. Withdrawal of house purchase

Employees who have paid in to purchase self-occupied houses can apply for withdrawal of the balance in the housing provident fund account, and the withdrawal amount cannot exceed the purchase amount. When purchasing a house, you can also withdraw your spouse's housing provident fund. In some cities, the conditions for the withdrawal of housing provident fund are relaxed. Employees can withdraw not only the balance in their spouse's housing provident fund account, but also the housing provident fund of their parents or children.

The housing accumulation fund can be used not only for loans to buy houses in different places, but also for withdrawal of houses in different places. If an employee purchases a house outside the deposit place, he can apply for withdrawing the balance in the housing provident fund account, and the withdrawal amount cannot exceed the purchase amount. Individual cities also allow housing provident fund to withdraw and pay the down payment for house purchase.

iii. Withdraw and repay housing loans

The balance in the housing provident fund account can be withdrawn and repaid housing loans, including commercial housing loans, provident fund loans and portfolio loans.

employees who handle the loan repayment business from the provident fund can apply for entrusted loan repayment, that is, the provident fund center is entrusted to withdraw the stored balance in the housing provident fund account for repayment of individual housing loans. Entrusted loan repayment is divided into two ways: entrusted monthly repayment and entrusted annual repayment. Employees who handle entrusted withdrawal business generally include borrowers and spouses, and * * * borrowers and spouses with property rights.

The housing accumulation fund can be used not only to withdraw and repay local housing loans, but also to withdraw and repay off-site housing loans, and the withdrawal amount shall not exceed the total loan principal and interest actually repaid. If an employee repays part (or all) of the house loan in advance, he can withdraw the storage balance in the housing provident fund account of the month specified in the prepayment voucher, and the withdrawal amount shall not exceed the prepayment amount.

IV. Withdraw and pay the rent

If an employee does not own a house and rents a house at the place where the housing provident fund is paid, and has paid the housing provident fund in full and continuously for a specified period (usually 3 months), he can apply for withdrawing the balance in the housing provident fund account to pay the rent. There are limits on the amount of withdrawal everywhere. Generally, employees and spouses can withdraw it once a year.

V. Decoration of housing

Employees who have paid the housing provident fund can apply to withdraw the amount in the housing provident fund account for housing decoration, or apply for housing provident fund decoration loans. However, the housing provident fund decoration extraction business and decoration loan business are not applicable to housing provident funds in various places at present. As a new business, whether decoration extraction or loan is feasible depends on the specific provisions of the local housing provident fund management center.

VI. Withdraw and pay medical expenses

If an employee or his family members (spouse and minor children) suffer from major diseases or undergo major operations, he can apply for withdrawing the amount in his housing provident fund account to pay the self-funded part of the social insurance medical expenses after reimbursement. The standards for the identification of major diseases are subject to the provisions of the housing provident fund management centers around the country.

VII. Difficulties in family life can be extracted

Employees' families suffering from major emergencies (such as car accidents, fires, earthquakes, accidental personal injuries, etc.) that cause difficulties in family life, or employees' families enjoying the living security of urban residents, can apply for withdrawing the balance in the housing provident fund account.

VIII. Withdraw all the balance from account cancellation

If the paid employee meets certain conditions, he can apply for withdrawing all the balance from the housing provident fund account and cancel the individual housing provident fund account. For example, retired workers, settled abroad, completely lost their ability to work, died or was declared dead, and so on.

Fengcai Chang 'an Jiuli

The latest development:

Fengcai Chang 'an Jiuli Building I 2' s new products are boosting the whole city

Highlights of the project:

1. The project is located at the intersection of Taohuayuan Avenue and Yong 'an West Road, covering an area of 1,1 mu, 2.4 million square meters and 5, square meters. Fengcai Chang 'an Jiuli manufacturers integrate six industrial engines to build seven centers of urban administration and commerce, elite education, vacation and entertainment, wealth silicon valley, shopping and leisure, sports and recreation, and international humanities

2. The products cover lakeview houses, commercial buildings, apartments, hotels, self-built schools, farmers' life markets, etc. Multi-dimensional, fast-paced, three-dimensional traffic, Changde Avenue, cross-river tunnel, Yangming Road, Yong 'an Road, Jinxia Road, Changji, Changzhang, Erguang Expressway, road network ring weaving, Qiaonan Bus Terminal, Changde Railway Station, Changde Bus Terminal, travel and logistics stations are scattered all over, only 1 kilometers away from changde taohuayuan airport. Breathe with the world

Changde Fengcai Chang 'an Jiuli is for sale

Reference price: the average reference price is 5,5 yuan /㎡

Address of the building: the intersection of Taohuayuan Avenue and Yong 'an Road

Tel: 4-819-659 to 342

No discount at the moment.