how long it takes to get a loan for housing provident fund depends on the total price of the money for buying a house and how much the local housing provident fund management center can allow to use. There are some subtle differences in the amount of provident fund loans and bank loan interest rates in each place.

For example, in some areas, one of the husband and wife can't use the provident fund more than 5, credit lines, and the husband and wife can borrow more than 1 million yuan together, and most of them have a term of 2 years. In reality, 1 years of financial pressure is not a good choice, while 2 years is unremarkable, which is suitable for those who are unwilling to borrow for too many years, or feel that 3 years of interest is too much.

for the lender, the 3-year loan amount can reduce the work pressure on the one hand, and gain profits through price difference and inflation on the other. On the whole, 3 years of provident fund loan is more appropriate. After all, the advantages of provident fund loans are low loan interest and low loan interest pressure.

if you have a pure commercial loan, you can choose to turn it into a public loan. Business-to-public conversion is to convert the commercial housing loans that have already been completed into provident fund loans, which can only be applied by employees who have paid the provident fund. The main reason for the transformation is that the interest rate of provident fund loans is relatively low, and a lot of interest can be saved after the transformation. Can the elderly over 7 buy wealth management? How to manage money is more appropriate?

1. Diversification of investment: Everyone knows that you can't put your eggs in one pocket. Therefore, there must be several ways to develop investment and financial management, such as real estate, individual stocks and investment and financial products, all of which can be selected.

2. Prudent investment is very important: investment must not be blind. As long as we are usually not clear and prudent, we will make a lot of money without mercy when we encounter a good opportunity to invest. Therefore, we have invested a lot of money, but risks follow.

3. broaden investment channels: investment channels must be flexible, grasp more information content, and let more people allocate funds to some industries that make more money and have lower risks. if you practice more, you will definitely improve your financial management skills.

4. study and train the basic theory of investment: investment is a science, and there is a fixed basic theory as the most advanced research topic. Therefore, we must learn more, improve our investment technology, enhance everyone's investment mentality and core concept, and make assets quickly form economic benefits.

5. The open source system also needs a throttle valve: when it comes to investment, it is a question of how to open the source system. Only by doing a good job and increasing your real salary can you achieve the investment effect. Throttle valve is two sides, there is no need to overeat.

6. Advocate stable investment: There are many ways to invest and manage money, so you must choose the stable one. If it is guaranteed at the bottom or guaranteed at the interest rate, you must make a decision in advance, and don't choose commodities such as investment and financial management with very high risks.

7. Hold fast to the pulse of the times: If we encounter the problem of how to invest and finance ourselves, we must thoroughly grasp the hot topics in society and make some orderly investments, which is also a long-term problem that must be solved, and we can invest and finance from these aspects.