In our daily life, many people will have five insurances and one gold when they work outside, so must the provident fund loan with five insurances and one gold be capped? Today, Bian Xiao will talk about this issue, hoping to help everyone. Interested friends can follow Bian Xiao to learn about it.

First, must the provident fund loan be capped?

There is a ceiling on provident fund loans. General provident fund loans can only be up to 400 thousand. According to the calculation of 20 years, it needs to pay back more than 2000 yuan every month. After signing the house sales contract, you can apply for provident fund loans, and you can lend money in about 3 to 5 months.

2. What are the benefits of housing provident fund?

1, the housing provident fund offers a very large discount for buying a house.

2. The repayment interest rate of provident fund loans is relatively low, and there is no need to pay liquidated damages for early repayment.

3. You don't need to pay any taxes to use provident fund loans. If the provident fund doesn't want to buy a house, or you don't need to buy a house after you already own a suite, the provident fund can also be withdrawn. For ordinary people in the family, having a provident fund is equivalent to a subsidy.

Many ordinary families are under great pressure when buying a house. If we have housing provident fund, buying a house can save some interest, because the interest of housing provident fund will be much lower than that of commercial loans, at least 30% to 40%.

Third, the disadvantages of provident fund

Provident funds can only be used to buy a house. With the rising housing prices in China, the government has very high requirements for down payment, which is basically between 300,000 and 500,000 yuan each time. Some low-income people can't afford to pay their mortgage even if they have housing provident fund.

The above is Bian Xiao's summary of the relevant contents and information about the need to cap provident fund loans, hoping to bring you help. If you have any other questions, you can leave a message below the platform. Bian Xiao will solve the problem for you in time. Finally, if you have any questions about furniture or home improvement, you can pay more attention to Qijia. com。

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