If you want to pay more, you can negotiate with the company and let the company apply for a higher level of deposit authority, so that you can pay more.
1. The annual interest rate of provident fund loans 1-5 is 4.59%, and it is 5.04% in 6-30 years. The maximum amount of provident fund loans was adjusted from July this year 1 from 400,000 to 600,000. The longest loan period is 30 years.
Housing accumulation fund refers to state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions? Long-term housing savings paid by private non-enterprise units, social organizations and their employees.
Housing provident fund has seven purposes:
First, buy a house, and you can withdraw the provident fund at one time without a loan; Commercial loans can draw provident fund for down payment, and provident fund can also be used to repay principal and interest. Provident fund (portfolio) loans can be used to withdraw provident fund to repay principal and interest.
The second is to build renovated and overhauled houses, build, renovate and overhaul their own houses on rural collective land and use housing loans. Workers and their spouses can apply for withdrawal of the provident fund amount before the month when the housing construction is approved, and only when the housing is overhauled in this city can the provident fund be withdrawn.
Third, you can use the provident fund to rent a house;
Fourth, parents can use their parents' provident fund to buy a house for their children;
Five, cancel the account can withdraw all the balance;
Six, is included in the minimum living guarantee for urban residents or poor relief, workers and their spouses can apply for withdrawal of housing provident fund;
Seven, when family members suffer from major illness or major surgery hospitalization, employees and their spouses can apply for withdrawal of housing provident fund.