In addition to housing provident fund, there are also these uses.

Since March, the property market across the country has restricted the purchase of boots, and new policies have emerged one after another. Faced with the multi-pronged approach of restricting purchases, loans and sales, many people retreat actively or passively and no longer buy a house. But will the provident fund that has been saved for a long time keep it lying like this? Besides buying a house, can't the provident fund be spent? Of course not. As the welfare of modern society, provident fund can not only provide some housing funds for buyers, but also have many uses to solve our urgent needs.

Then Bian Xiao will talk about it today. How to use the provident fund?

1, buying a house: the main purpose of the provident fund is to buy a house. When buying real estate, you can directly withdraw the original provident fund and deposit it in the subsequent provident fund to repay the mortgage. The specific amount and interest rate can refer to the local loan policy, or consult the local provident fund management department and the personnel department of the unit.

2. Renting: For many people, especially in hot cities such as Beijing, Guangzhou and Shenzhen, the pressure brought by rent is not small. And with the rise of housing prices, rents are also rising, and it is also a lot of money all year round. Tenants can apply for withdrawal of provident fund to pay rent and reduce the pressure of life. Provident fund can not only use rent or government rent subsidies to pay the rent of economic rental housing, but also pay the rent of market rental housing, so that you don't have to worry about rent anymore!

3. Decoration: We can also use the housing provident fund when decorating. Many people may not know this. You can apply and consult at the housing provident fund offices in various regions. Even if you can't buy a new house at present, decorating the existing house will give people a feeling of living in a new house. And now the decoration cost is not low, and the use of provident fund will reduce a large part of the cost. While improving the quality of housing, it can also affect the existing quality of life as much as possible.

In rural collective land construction, renovation, overhaul of their own housing and the use of housing loans, workers and their spouses can apply for withdrawal of provident fund amount before the month of approval for housing construction, and the total withdrawal amount shall not exceed the cost of housing construction.

Besides, accidents in life are inevitable. If I or my family members suffer from serious illness or need major surgery in hospital, my spouse and I can apply for withdrawing provident fund to pay for medical expenses, and the application time can be within one year from the date of hospitalization. Therefore, under the dual protection of medical insurance and provident fund, the burden of medical expenses has also been greatly reduced.

But also included in the minimum living guarantee or poor relief for urban residents, my spouse and I can apply for withdrawal of housing provident fund.

From this perspective, in addition to buying a house, the provident fund has many uses, so even if you don't buy real estate for the time being, the provident fund doesn't have to lie down and sleep. However, Fang would like to remind you that although the provident fund is not only used to buy a house, its expenditure is hard and fast. It is illegal to play with various tricks and "cash out" the provident fund, and serious cases will be investigated for criminal responsibility!

Source: Hualong.com.

Original title: Look at buying a house, housing provident fund and these uses.

(The above answers were published on 20 17- 12-06. Please refer to the actual situation for the current purchase policy. )

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