It is understood that the process of provident fund integration is accelerating, and loans from different places have also brought a lot of convenience to property buyers. Buying a house is what every family wants to do. Because having a house makes people feel at home, many people will choose to buy a suite in the city where they are struggling, but if the interest on commercial loans is high enough, many people will choose provident fund loans.
It is understood that since the integration and cooperation of housing accumulation funds in Sichuan and Chongqing, great progress has been made by the end of March. The formal cooperation agreement on the integrated development of provident funds in the two places, the two sides issued loans in different places as high as11800,000 yuan. It can be said that the level of information enjoyment continues to rise. Backyard offspring institutions have been promoted, running across provinces and implementing cross-disciplinary provident funds. The efficiency is constantly improving, so it is very simple and convenient to handle.
Then let's learn about the benefits of provident fund loans.
1. The repayment method is flexible. As long as the borrower's monthly repayment is not lower than the lower repayment amount, the monthly repayment amount can be determined at any time, which is very convenient for the borrower to arrange funds.
2. Commercial loans can only be repaid three times a year in advance, and provident fund loans are repaid every month. The lender can adjust his prepayment amount every month.
3, provident fund to buy a house, its interest rate is much lower than that of commercial loans, which can save a lot of interest money.
We all know that housing provident fund loans have many advantages in buying a house. We can use the provident fund loan when we buy a house. If the amount of such loans is not enough, you can also choose provident fund loans and commercial loans to grant credit together. This can save a lot of interest for people who buy a house, and the pressure is not so great.
As far as I know, as long as employees pay the housing provident fund in full, they can apply for housing provident fund and personal loans for more than 6 months, and if they pay in different places for less than 6 months, they can merge with each other.