1. Housing provident fund portfolio loan refers to two kinds of loans that individuals apply for housing provident fund loans and commercial housing loans from lending banks when the funds are insufficient to pay the house purchase price.
2. Housing provident fund can enjoy urban subsistence allowance. Workers who have paid the housing provident fund in full and on time for more than three months and meet the minimum living guarantee conditions of residents can withdraw the housing provident fund with the approval of the provident fund center.
From 3.20 1 May 61day, the contribution ratio of housing accumulation fund shall not exceed 12%. Every year, the housing provident fund management center will verify your payment base according to your salary in the previous year, and then the expenses will be borne by enterprises and individuals respectively according to your payment base. No matter how high the salary is, the contribution ratio of the provident fund cannot exceed 12%.
4. If buying a house for an unmarried adult child, the employee who paid the housing provident fund may apply for a housing provident fund loan in the name of the depositor instead of the purchaser. To put it bluntly, if my son's provident fund is not enough to buy a house, I can apply for a provident fund loan in my name, but the house purchase contract is signed in my son's name.
5. If the unused housing accumulation fund has been deposited for more than 10 years (inclusive), the housing accumulation fund of the person and spouse can be withdrawn and used once during the renovation of the self-occupied house, with the maximum withdrawal amount of 654.38+10,000 yuan.