I suggest you find a company to pay. Housing provident fund loan is a kind of policy personal housing loan. On the one hand, its interest rate is low, and on the other hand, it mainly provides such loans for low-and middle-income employees who deposit provident fund. /kloc-the interest rate of provident fund loans with a term of 0/5 is 3.6%, and the interest rate for 6-30 years is 4.05%; Commercial loan interest rate1-4.77% for 5 years and 5.04% for 6-30 years. With the same loan amount and repayment period, provident fund loans can save tens of thousands of yuan in interest than commercial loans. Take a 400,000 house as an example, with a loan of 280,000. If the term of the commercial loan is 25 years, the monthly repayment is 172 1 yuan, and the total repayment for 25 years is 5 16300 yuan, and the total interest paid is as high as 236,300 yuan. It is also a provident fund loan with a term of 25 years, with a monthly repayment of 1.548 yuan. The total repayment in 25 years is 464,400 yuan, and the total interest paid is 1.8444 million yuan. Compared with commercial loans, the monthly payment can be reduced by 1.73 yuan, and the interest expense can be saved by nearly 5 1.90 yuan in 25 years. With the same loan amount and the same repayment amount, compared with commercial loans, provident fund loans not only have shorter repayment time, but also have much less repayment interest. Similarly, if the loan of 280,000 yuan is repaid with the same amount 172 1 yuan/month, the commercial loan will be repaid for 300 months, totaling 5 16300 yuan, with interest of 236,300 yuan. The provident fund loan is repaid to 25 1 month, that is, 2 1 year, and all the principal and interest have been paid off, with a total repayment of 4,30715 yuan, and the interest paid is only 1507 15 yuan, which is 85,585 yuan less than that of commercial loans. Yantai Renhe Human Resources Service Co., Ltd. can serve you, providing services such as paying social insurance, housing provident fund and file custody for friends who work or live in Yantai and have no unit to call, so as to avoid the inconvenience caused by having no unit to call.

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