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What are the preferential policies for housing provident fund to buy a house? Can housing provident

Since the housing provident fund, most people's housing problems have been solved. We all know that the housing provident fund is a special loan we use to buy a house. Many people doubt the benefits of this special question. Presumably, the provident fund will also give you a satisfactory answer. So, what are the benefits of buying a house with housing provident fund? Housing provident fund to buy a house in another place?

What's the discount for buying a house with housing accumulation fund?

1. In short, when paying the housing provident fund to buy a house, you can apply for the housing provident fund loan, and the interest rate is lower than the commercial loan (at present, the interest rate of the provident fund loan with a term of more than 5 years is 4.5%, and the commercial loan is 6.55%).

2. When you pay the provident fund, your unit should also help you pay a part (generally how much you pay and how much the unit pays, which is equivalent to a salary increase). After you buy a house, you can get it out to repay the loan. It is certainly cost-effective to pay the provident fund. Generally, no one will take the initiative to ask not to pay the housing provident fund.

Housing provident fund to buy a house in another place?

Whether you can buy a house with provident fund loans in other places depends on whether the local provident fund management center supports provident fund loans in other places. If it is operable, you can apply if you meet the conditions of provident fund loans in other places. The general process is as follows:

1. The loan City provident fund center accepts the employee's non local loan business consultation and informs the audit materials required for the loan at one time. The employee himself or his client shall apply to the urban provident fund center, and the urban provident fund center shall verify the loan paid by the employee according to the employee's application.

2. For the paid employees who have not used the personal housing loan of housing accumulation fund or have settled the personal housing loan of housing accumulation fund for the first time, the certificate of payment and use of housing accumulation fund for employees with loans from other places shall be issued. After accepting the employee's application for loans from other places, the loan City provident fund center shall verify the authenticity and integrity of the information in the certificate for payment and use of housing provident fund for employees with loans from other places with the deposit City provident fund center.

3. If it is verified to be correct, the loan examination and approval procedures shall be performed within the specified time limit, and the results shall be fed back to the urban provident fund center. The urban provident fund deposit center shall mark the loans of employees in different places, and establish a detailed account of loans of employees in different places.

4. If the individual account of the housing provident fund is transferred during the loan repayment period of the deposited employees in different places, the original urban provident fund center shall timely inform the loan urban provident fund center and the transferred urban provident fund center.

5. After receiving the employee's housing provident fund account, the transferred urban provident fund center shall re identify and record the loans in other places in time. In case of overdue loans from other places, the urban provident fund center shall cooperate with the loan urban provident fund center to carry out loan collection and other work, and the balance of the loan employee provident fund account can be deducted for loan repayment according to the loan contract.