How to buy a car with a provident fund loan?
1. At present, the interest rate of automobile commercial loans is relatively high, and there are still many restrictions. Provident fund loans with lower interest rates will undoubtedly make more people who want to buy a car dream.
2. 70% of foreign automobile consumption is purchased through loans, but in China, this proportion has dropped from 16% in 2004 to about 8% in 2008.
3. In 2009, deputies to the National People's Congress suggested changing "housing provident fund" into "housing provident fund for car purchase", allowing citizens to use provident fund loans to buy cars.
4. For the proposal of buying a car with provident fund loans, the state has not made relevant adjustment policies, and has always maintained the original laws and regulations.
Support the idea of buying a car with provident fund loans;
1. Using the provident fund to buy a car can not only stimulate automobile consumption loans, but also reduce the financial subsidies that the country must pay to revitalize the automobile industry, which can be described as killing two birds with one stone.
2. Many people may not be able to afford a house all their lives, and they don't need to buy a house. Buying a car with provident fund can avoid idle resources. Of course, we should support buying a car with provident fund loans.
3. If you don't buy a house, you can only withdraw the housing provident fund when you retire. At that time, people were old, what was the use? And if it can be used to buy a car, it can at least improve the quality of life when you are young.
4. Shanghai, Tianjin, Beijing and Shenzhen provident fund loans to buy a car.
Oppose the idea of buying a car with provident fund loans;
1. The provident fund can only be used to buy a house, because a house is a necessity, and a car is a high-end consumer product, which is dispensable. After all, there are a few consumers who can buy a car instead of walking now.
Sometimes you can afford a car, but you may not. Buying a car with provident fund can only encourage irrational consumption, and then it will cause other unfair social phenomena.
3. The original intention of setting up housing accumulation fund is to protect people's basic living needs. If the housing provident fund is changed to the housing provident fund, then those who have used this resource to buy a house will use this fund to buy a car again, resulting in unfair use of resources and a decrease in the number of provident funds.
4. China's provident fund is a welfare system to guarantee the housing welfare of the whole people. Buying a car by loan is actually a financial service under the financial system. These two concepts cannot be confused.