At present, the personal housing provident fund loan interest rate also increases accordingly as the loan interest rate is raised.
. Personal housing provident fund loan interest rate is raised by 0.18 percentage points, of which 5 years (including
The following loans are adjusted to 3.78% by the current annual interest rate of 3.96%.
For more than 5 years, the loan is adjusted from the current annual interest rate of 4.23% to 4.41%.
. Taking 10,000 yuan in accordance with the provident fund loan as an example, the month repayment amount will increase to 1032.05 yuan, and it is 8.63 yuan per month. However, this is 5.51% compared to the lower limit of commercial mortgage, more than 5 years of reserve fund loans.
The annual profit rate is 1.1 percentage points.
To this end, for the company that has been in and still continues to pay the provident fund, a citizen who has been buying a house and the upcoming house
Say, how do they use their own provident fund and supplement the provident fund?
Example 1: Loan user instructions
Activate the provident fund
Since two years ago, the house bought by the provident fund was sold later, the provident fund became
I have forgotten something, even though the house we live in still a pure commercial loan.
. Recently, a provident fund of finance reminded me.
Careful, wow! More than two years, the balance inside the provident fund account has reached 5
Number, I didn't care. After the financial analysis is not worth it!
"Why don't you rush?" I immediately called the Provident Fund Management Center.
, Unfortunately, the hotline consultation of the 114 registration is always in the busy state, Lingling machine
On the hotline of the loan bank. The staff of the Bank of Communications points to me in the phone
: If I am a loan of the loan house, bring your own ID card and the provident fund.
The bill can be handled by the Bank of Communications. So I took the Dongdong to the Dongdong token.
If the bank is issued, after the requirements of the counter, the staff will start immediately.
.
Several methods of collecting reserve funds: used for loan deductions, such as reserve funds after the loan
You can do your own loans within a few months; the rebounding loan used for this letter
It is a reduction in the monthly repayment. Think or the second way
This will have a lot of interest.
Originally, I still want to use the provident fund to returning the loan, keep the monthly loan quota unchanged.
This reduces the loan time, but the bank does not agree to do this, no way I can only put it.
Abandon. By the second month, rushing about 10,000 yuan, my monthly repayment amount
Less than 30 yuan.
However, I also bury the buddle in the future, I will buy a house, I'm buried in the future: my husband's provident fund account
There are also nearly 20,000 yuan of provident fund balances, and I will wait for the future.
The child is used to loan the provident fund with his account.
I have a friend and Ignore the provident fund. As a result, when I buy a house, I am not worthless.
. This friend wandered for more than half a year because of resigning at home, and the provident fund account was naturally forgotten.
As a result, the interest rate of the provident fund will be more than the commercial loan when she wants to buy a house.
This wants to activate the provident fund account. But is told: to activate the provident fund account at least
Waiting for the normal payment record for half a year to do it. Only you can give up this in this place.
The opportunity of 100,000 yuan low-interest loans, so that she can extract their past pending from the account.
Provident fund.
Example 2: Non-lenders instructions
Let the provident fund
Foreign companies have a high-paying week to buy a one-time payment, naturally, I have never thought about the provident fund.
. His colleague reminds him that after buying a house, you can extract your own within half a year.
The provident fund and supplementary provident fund he thought of extracting cash.
After inquiry of the Finance Department, he got the form of extracting the provident fund and supplementing the provident fund.
The unit also covers the chapter on the corresponding table. Once I have been inquiry online, I can make Mr. Zhou.
Because it is highly expensive to pay for the supplement funds, now the balance of two types of provident funds
It has reached more than 90,000 yuan. After the rushing to the recent construction bank, I found yourself.
The problem did not figure out, it also specially reminded everyone: the provident fund cash withdrawal to build a bank branch of the area where the commercial housing is located. For example, the commercial housing you purchased is Xuhui District
You have to go to Xuhui District Construction Bank Branch. Their last time is Monday to Friday.
During the period, at 11:30 to 1:30. In addition, some related information is also
Need to copy, such as: ID card, real estate license, account book, marriage certificate, social security card
, Trading contract, deed tax form, etc. Because banks may not provide copy service
So everyone is better in advance.
After you are ready, Mr. Zhou came to the construction bank in the area where the house is located.
, I have filled my own form (note: I only need to fill in your name.
, The ID number, the amount is left to the bank staff to fill in
They know the accurate data that can withstate to be withdrawn), the original unit certificate and the original information
And copy. Originally he also rushed behind the team, but because the people in front were not information
It is a copy, and the result is in less than 10 minutes. Bank's entire audit process is not
After 10 minutes, he helped him have a regular deposit of the password.
With this deposit, Mr. Zhou's construction bank in the door of the house.
, The beginning of the initiative of the beginning of the year is just using this money.
Provident fund use misunderstanding
One of the misunderstandings: The provident fund can only be used for loans, and the provident fund payer usually has one.
Misunderstanding, that is, it is considered to use the provident fund only to the bank loan. in fact
In addition to the loan, the provident fund can also be purchased, building a house, decoration.
, Use the "long-term financial real estate" of the provident fund to act. Loan can be extracted each year
The provident fund is used in the housing loan.
III: The provident fund is more cost-effective, and many people think the deposit of the provident fund.
The interest rate is very low, and there is no money in the provident fund account. So they are buying a house, building a house
, When private, private houses, in the abundant funds, the housing provident fund
take out. However, after the provident fund extracted, there is no good investment.
Then, it is used as a sub-deposit regular deposit in the year. In this way, it seems to be earned
However, it is actually a loss. Because whether it is a living deposit, or a periodic store
The deposit, the actual benefits are lower than the accumulation fund deposit revenue. Because of the annual interest rate of housing provident fund
Not only is higher than the deposit rate, but also does not pay interest taxes. Therefore, if you don't need to use the provident fund
If there is no good investment in storage, there is no good investment channel after extracting the provident fund, just to extract the provident fund.
It should make the provident fund year a year of annual benefits. (It is reported that the current provident fund is annual
The interest rate interest rate of the deposit is 0.72%, and the housing provident fund interest rate of the last year is 1.
.72%. )
