1, provident fund loan repayment is more flexible and convenient. If property buyers use provident fund loans to buy a house, the repayment method of banks will be more convenient and flexible than commercial loans to buy a house. The borrower can determine the monthly repayment amount by himself, provided that the monthly repayment amount is not lower than the low repayment amount stipulated by the bank. In this way, the borrower can make a reasonable and feasible repayment plan according to his own economic strength, which is convenient for the borrower to arrange his monthly economic expenditure.

2. Provident fund loan funds can be doubled. Buyers pay 5%-20% of their deposit base, and their companies also pay in the same proportion, so the funds in their accounts can be doubled.

3, provident fund loans enjoy tax exemption. Housing accumulation fund paid by enterprises for employees can be used as a deduction of enterprise income tax. At the same time, the provident fund actually paid by enterprises and individuals is not included in the personal current salary income, so it is exempt from personal income tax. In other words, for employees, the pre-tax salary is deducted from the social security accumulation fund, and then the tax is deducted as the tax basis.

4. Provident fund loans can be withdrawn in advance. Workers who have paid the housing provident fund can buy, build, renovate or overhaul the self-occupied housing with independent property rights, or suffer from serious illness, resulting in difficulties in life, or enjoy the urban minimum living allowance. , and can withdraw the housing provident fund in advance with relevant legal and valid proof materials. It can be said that the use of provident fund is far more than loans to buy a house.

5, provident fund loan interest rate concessions. Compared with commercial loans, provident fund loans can save tens of thousands of yuan in interest with the same loan amount and the same repayment period. Moreover, compared with commercial loans, provident fund loans not only have short repayment time, but also have much less repayment interest.

6. Provident fund loans are repaid in advance without penalty interest. The borrower of the provident fund loan may apply to repay the personal loan principal and interest of the housing provident fund in advance, and the borrower shall repay part of the loan principal and interest of the housing provident fund, and the repayment amount shall not be less than 6 months' loan principal and interest. There is no handling fee and penalty for prepayment of provident fund loans.