Provident funds can be used to buy commercial housing. You can't use apartments and shops! Renting can also be used. Renters can get it every year, and now it is 1.2 million. Get married with marriage certificate and ID card. There is a bank card of Zhang Jianshe Bank. You can do it online. Love city network APP! ! ! You can withdraw 12000 yuan every year. I hope I can help you. [flash]
The biggest advantage of employees who pay provident fund is to obtain provident fund loans at a significantly lower market interest rate. At present, the maximum loan in Guangzhou is 600,000 yuan, the interest rate is currently 3.25%, and the longest term is 60 years. Compared with the market bank loan of 5.6%, it is 600,000 yuan in 30 years, but the interest is 423,000 yuan less. Then the provident fund can also deduct monthly loans.
At the same time, even if you can't afford to buy a house, Guangzhou is also allowed to withdraw the rental provident fund, which can withdraw 3600 yuan every six months.
It is also a bank deposit, and the current annualized interest rate for depositors is 1.5%.
It is useful to buy a house.
I bought a house first. After I went to work, the company gave me a public welfare fund. I think it is equivalent to a small vault. I paid for two years. I gave it 30 thousand the day before yesterday. Haha, that's my own money.
I don't know where you come from, but today I will analyze the use of provident fund in Zhengzhou, my city, for your reference:
1. Housing loan
The biggest use of provident fund is to buy a house. Its loan interest is relatively low, and the monthly repayment is deducted from the provident fund account, which can save hundreds of thousands of interest compared with commercial loans.
2. Cash withdrawal
Purchase of commodity housing (extracted by myself), purchase of second-hand housing (extracted by myself), repayment of provident fund loans, repayment of commercial loans, extraction of housing (rental), termination of labor relations (resignation), retirement (including early retirement), withdrawal of provident fund by urban residents, complete loss of working ability, purchase of commodity housing (extracted by spouse), purchase of second-hand housing (extracted by spouse),
The above are some uses of Zhengzhou provident fund, which is our intangible wealth and can be used well.
Housing loans are lower than bank interest rates, and can also be used for decoration loans.
When you retire, you should be able to withdraw it. Of course, buying a house is ok. In some places, you can also apply for serious illness reimbursement for your family. It can also be withdrawn with relevant certificates. In addition, some old communities that need to install elevators can also withdraw according to relevant local policies.
According to local conditions, the provident fund in Qingdao cannot be converted from commercial loans to provident fund loans.
1. Change direction and save money. Deduct a portion every month.
2. Change direction and raise salary. The unit pays the same amount every month.
3. The interest rate of house purchase loan is low.
You don't have to buy the provident fund, that is, the unit takes out part of the salary and saves it to buy the first house or takes it out at retirement age!