The annual interest rate is 4.05%, which is 0.99% lower than the commercial loan for house purchase.
Recently, policies and news about buying houses have focused buyers' attention on "second suite" and "loan interest"
, "repayment method" and so on. However, many people will not apply for the closely related housing provident fund.
In position.
Personal housing accumulation fund paid by working citizens is a kind of long-term housing with compulsory deposit, unified storage and special use.
Savings are composed of employees and their units, and belong to individuals. So what should I do with the money?
? How to use it skillfully? Here are some clever ways to use them.
Strategy 1: The quota can be used flexibly.
According to the regulations, if both husband and wife pay the provident fund, only one of them can be used, not both.
Ms. Wang and her husband are both white-collar workers in the company. When they were ready to get married and buy a house, they devised a brilliant idea: harmony.
Before her husband got a marriage certificate, the two bought a one-bedroom apartment adjacent to the fourth and fifth floors in their own names, so
You can save a lot of money.
Because if two people buy a house, they can only use the husband and wife provident fund amount of 654.38+ 10,000 yuan, and the two people will divide it.
When buying a house, you can apply for a provident fund of 654.38 million yuan, and you can get an additional provident fund loan of 654.38 million yuan. When two houses
After all the renovation, they rented out one set at a monthly price of 1600 yuan, and they can do it again.
"Supporting loans by renting" has reduced the repayment pressure. Ms. Wang also plans to put the current 4 th and 5 th floors in after the baby is born in the future.
The two bedrooms in the building were opened and installed with stairs, which became duplex apartments. It is really a calculation for Ms. Wang to use the provident fund loan.
Go home.
Strategy 2: combined loan deposit 1 10,000 yuan.
If the amount of the provident fund loan you apply for is not enough to pay the house price, you can also apply for a personal housing commercial loan.
This kind of portfolio loan is called portfolio loan.
Ms. Yu spent 400,000 yuan to buy a high-rise unit. When she entrusted the mortgage company to handle the mortgage loan, she asked to help her win it.
320,000 yuan provident fund loan. The conditions for handling provident fund loans are relatively strict, and sometimes it may not fully meet the requirements of buyers.
All right, deal with it. The provident fund loan of 320,000 yuan is 80% of the transaction price of this property. Obviously, this amount of provident fund loans is
Impossible, first, provident fund loans can not exceed 70% of the transaction price, and second, the current maximum amount of provident fund loans.
The amount is 250,000 yuan. However, the staff of Yida Mortgage Company found that because Ms. Yu is an actuary of an insurance company, her monthly income exceeds 10,000.
Yuan is a "quality customer" of Bank of China, so the bank can approve her to apply for a total loan amount accounting for 80% of the transaction price.
Yes So, with the help of Yida Mortgage Company, Ms. Yu negotiated with the bank and finally handled 330,000 yuan.
"Portfolio loan" is a combination of 250,000 yuan provident fund loan and 80,000 yuan commercial loan.
Although it is also a loan, the interest rates of commercial loans and provident fund loans are very different. commercial loan interest rate
It is 4.77%, and the interest rate of provident fund loans is 3.6%. This provident fund loan has made Ms. Wang save several times.
Ten thousand yuan.
Strategy 3: Use the provident fund skillfully to buy a car
At present, the automobile consumption boom is heating up. Some citizens have sufficient funds when buying a house, but they have not applied for a housing loan.
Soon, when I need to buy a car, I must apply for a car loan. In fact, it is better to apply for residence when buying a house.
Housing loans, set aside funds to buy a car, which is actually a clever use of housing loans to buy a car.
If it is also a five-year loan of 654.38 million yuan, the monthly interest rate of the housing provident fund loan is 3‰, and the monthly repayment amount is
1823.66 yuan, while the monthly interest rate of auto loan is 5.025‰, and the monthly repayment amount is 2 169.2 yuan. At present, some cars
The seller offers a preferential interest rate of 10%. Even so, the monthly repayment amount should reach 1952.28 yuan. Five years later, both
The difference is 77 17.72 yuan.
In addition, the housing loan period is longer, which can reduce the monthly repayment amount. At present, the term of auto loan is generally 5 years.
Below, the same loan is 6,543,800 yuan, and the monthly car loan for 5 years is 265.438+069.2 yuan, while the provident fund loan for 20 years.
The monthly repayment is only 608.62 yuan. This has greatly reduced the repayment pressure.
Therefore, even if property buyers have sufficient funds when buying a house, they should also consider other mass consumption needs in advance, such as buying a house.
Cars, decoration, children's education, etc. And apply for a certain proportion of housing loans, and it is more cost-effective to apply for pure provident fund loans.
Payment.
Strategy 4: Provident fund deposits have no interest tax.
Many people often feel uneconomical when they see more and more money in the provident fund account: except buying a house or something.
It can only be used under certain circumstances. It is a pity that such a large sum of money can not be used until retirement. Few people know.
Money deposited in the provident fund account does not have to pay interest tax. Under the current interest rate stipulated by the state, money is deposited in the provident fund.
In the account, it is definitely more cost-effective than depositing in the bank, 1 year lump sum deposit and withdrawal, and 1 year lump sum withdrawal.
At present, the housing provident fund stored by employees in the current year bears interest at the resident savings deposit rate of 0.72%, which was settled last year.
The transfer principal and interest of housing provident fund shall be calculated according to the three-month lump-sum deposit and withdrawal interest rate, that is, 1.7 1%. And commercial bank deposits are whole.
The one-time interest payment is 1.98%, and the interest tax excluding 20% is 1.58%, which is 0. 13% lower than the interest rate of the provident fund.
Therefore, if you are not in a hurry to use the provident fund to deduct the house payment, it is absolutely worry-free and cost-effective to save money in the provident fund.
What's more, there is still a chance to get a loan to the second suite in time. If you borrow both provident fund and commercial loans,
Instead of using the money in the provident fund account to deduct the provident fund loan, it is better to prepare another sum of money and repay the commercial loan first.
Strategy 5: Considerable "pension"
It is understood that at present, many people only know that the "three gold" (medical insurance, unemployment insurance, pension) is mandatory, but it is not.
It is not a big problem to have a "provident fund". In fact, the provident fund is also stipulated by law, and employees give up the "provident fund", too
It is equivalent to giving up a very important welfare, or even giving up a pension.
The first is to lose the right to buy low-interest loans. Personal housing provident fund loan interest rate 1 ~ 5 years.
The rate is 3.6%, and the annual interest rate for 6-30 years is 4.05%. The interest rate of commercial loan for house purchase is 1 ~ 5 years.
4.77%, the interest rate for 6-30 years is 5.04%.
In addition, if employees have not used the provident fund to buy a house, when they retire or completely lose their ability to work due to misfortune,
Individuals can withdraw all the principal and interest balance of housing provident fund, which is a considerable "pension".
Therefore, with the accelerated pace of life, job-hopping and job-hopping have been widely accepted by the public, so you should always pay attention to protecting yourself.
"provident fund" When signing a labor contract, employees may ask the enterprise to pay the provident fund for them. When you change jobs,
The principal and interest of housing provident fund should be transferred to the newly transferred employee provident fund account, and the employee housing provident fund account number should also be made accordingly.
Adjust. Only in this way can you fully enjoy these intangible "wealth" brought by the provident fund.
The maximum loan of provident fund is 400,000,300,65438+1673 in 2005.