The housing accumulation fund system is actually a housing security system, a form of monetization of housing distribution, and an important housing social security system stipulated by national laws. It is mandatory, mutually beneficial and safe. Units and individual employees must fulfill their obligations to pay housing provident fund according to law.
When buying a house, consumers should pay attention to the following points if they consider making maximum use of the provident fund:
First, the provident fund cannot be directly used as a down payment for buying a house. Citizens need to pay the down payment first, and then go to the housing provident fund management.
The management center withdraws the storage balance in its provident fund.
Second, the total withdrawal from the provident fund cannot exceed the total house payment. For example, the total price of a house purchased by a citizen with a loan is 20.
Ten thousand yuan, and his provident fund balance is 300 thousand yuan, he can only withdraw 200 thousand yuan of provident fund.
Third, after the provident fund loan is settled, you can use the provident fund to buy a house. Whether before marriage or after marriage, it shall be handled by one of the husband and wife.
After the provident fund loan, there will be records on the system. If the first home provident fund loan has been settled, both husband and wife will use the provident fund again.
Buying a house with a gold loan is the first time to buy a house.
In order to fully understand how to make full use of provident fund, it is recommended to consult Miao Wei. Miao Wei's financial business education has developed a series of excellent courses, such as the financial business upgrade operating system course, the financial analysis skills course, the enterprise analysis skills course, and the advanced seminar on financial investment and enterprise management jointly developed with the Central University of Finance and Economics.
It covers theoretical knowledge learning in four modules: financial thinking, investment analysis, financial tools and operation practice, and provides users with learning in the fields of financial knowledge popularization, financial and business thinking training, and enterprise operation management.