1. Employees who continuously pay the housing provident fund in full within the specified period (generally 12 months or more) may apply to the housing provident fund management center for housing provident fund loans when purchasing, building, renovating or overhauling their own houses. The interest rate of housing provident fund is 3.25, while the interest rate of commercial loans is usually above 4.85 (basically 5.0-5.5), that is to say, the loan is 500,000 yuan, which is repaid in 30 years, and the monthly payment is less than 500 yuan. The provident fund can still cover part of it, and the interest difference in 30 years is about 200,000 yuan. At the same time, if you choose a commercial loan instead of a provident fund loan, you can withdraw the balance in the provident fund account to repay the principal and interest, or you can withdraw the provident fund at one time during the purchase process.

2. Renting a house If you rent a house now, you can withdraw the balance in the provident fund account to pay the rent. Provident fund can not only pay the rent of public rental housing, but also pay the rent of market rental. ?

3. The housing accumulation fund can also be used to decorate the house. You can apply and consult in the housing provident fund management departments in various regions. Even if you can't buy a new house and decorate an existing house at present, you can apply.

4. Difficulties in family life can be extracted from those caused by major emergencies (such as car accidents, fires, accidental personal injuries, etc.). ), or employees' families can enjoy the minimum living guarantee for urban residents, or they can apply for withdrawing the balance in the housing provident fund account. ?

5. Payment for Major Diseases If family members are unfortunately suffering from major diseases and have no money for treatment, then employees can also withdraw their own provident fund to pay for medical expenses.