2. The calculation of housing subsidies for retirees with less than 20 years of service embodies the principle of distribution according to work. The calculation of housing subsidies for retirees with less than 20 years of service refers to the payment of one-time housing subsidies in proportion to the difference between the actual working years of retirees and the calculation standard of 20 years.

3. We enjoy the preferential policy of teachers' length of service in order to maintain the continuity of the housing reform policy and effectively protect the interests of faculty. The time to enjoy the preferential policy of teachers' length of service is determined according to the calculate length time of housing reform, that is, those who enjoy housing subsidies and engage in teachers' work before the end of 1994, will enjoy the actual working years of teachers until the end of 1994 with the seniority certificate issued by the municipal and district competent departments.

2. What are the preferential policies for housing provident fund loans to buy houses?

The preferential policies for housing provident fund purchase are as follows: individual employees pay 5% to 12% of their wages, and the unit can announce the current interest rate and calculate and pay interest according to the same proportion of subsidy funds, with rolling interest; Housing provident fund is exempt from income tax, which reduces the tax burden; You can apply for a loan to buy a house with preferential interest rates; Long loan life can save money; Flexible repayment, you can repay the loan in advance.

legal ground

Article 25 of the Regulations on the Management of Housing Provident Fund

If the employee withdraws the storage balance, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the Bank of Shen Tuo to handle the deposit procedures.

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when they live in their own houses. When accepting the application, the applicant shall be informed of the decision to pay or not to pay the loan; Where a loan is granted, the entrusted bank shall go through the loan formalities. The housing provident fund loan risk is managed by the housing provident fund.

3. Is there any discount for buying a house with housing provident fund?

There is no discount for buying a house with housing provident fund. Only by buying a house with a housing provident fund loan can you enjoy preferential treatment. If the loan amount is 654.38+0,000,000 yuan, and the loan period is 30 years, if you choose to repay the principal and interest in the same amount, the interest on commercial loans will be as high as 965,438+0, 600 yuan, but the interest on housing provident fund loans will be 566,700 yuan, which can be about 340,000 yuan cheaper.

Second, what is the process of buying a house with provident fund?

1. First of all, the purchaser should submit the application form for housing provident fund loan to the local housing provident fund management center, and fill in the application form for housing provident fund carefully as required. After the housing provident fund management center accepts it, it will conduct a preliminary examination of the materials submitted by the purchaser, and after the preliminary examination is passed, it will issue a notice of mortgage review and evaluation.

2. After receiving the notice, the buyer shall take the notice to the appraisal institution designated by the housing provident fund management center to appraise the value of the house. After the appraisal, the appraisal agency will issue an appraisal report, but if the room type is affordable, this step can be omitted.

3. The applicant can sign a housing provident fund loan contract with the loan bank after choosing the appropriate guarantee method and handling the guarantee procedures. After signing the contract, the whole process is over, and then the buyer only needs to repay the loan on time.

Summary: The related content of how much housing provident fund can buy a house is introduced here for everyone, hoping to help friends in need. It can be seen that the use of housing provident fund loans to buy a house is much cheaper than other loan methods, but the specific amount depends on the local housing interest rate!

4. Is there any discount for buying housing provident fund?

There is no discount at all, and you have to pay interest. Hehe, the average price is more than 4,800, and the average price of the newly opened Yijing Garden in the north of Huangtaihu Park Road is 5,800.

The provident fund will be available in about a year.