Now looking for work units are generally to pay housing provident fund, what is the use of housing provident fund? Many people will use the housing provident fund to buy a house. Can the housing provident fund repay the mortgage? How can different places use housing accumulation fund to repay loans? What should we do? Today, I'd like to answer these questions
Can provident fund repay housing loan
The provident fund can only repay the housing loan of the city. There are two ways to withdraw the loan or offset it every month. You can ask the local provident fund management center how to operate. If you want to use the city's reserve fund to repay the loan in other places, you can only withdraw the loan and cannot handle the monthly offset. If you want to use the loan in other places, you also need to provide a series of house purchase contracts, and you need to handle them within six months after the certificate of property, and the amount withdrawn is the amount before the date of the certificate of property.
What are the benefits of housing provident fund
1. Social aspects:
The housing provident fund loan can help the family solve the housing difficulties, improve the living conditions of urban residents and stimulate social consumption. By issuing individual housing provident fund loans, it can effectively promote the development of real estate, building materials, home appliances, furniture and other related industries. The net value-added income of housing provident fund provides financial support for low rent housing construction. At the same time, it can promote the development of local economy. For example, the incremental deposit loan ratio of individual housing provident fund loan in a city is 99%, and the stock deposit loan ratio is 49%, which is higher than that of commercial banks. Housing provident fund has become the main source of funds for individual housing consumption loan in the city.
2. Enterprises:
First of all, the part of the entry cost deposited by the enterprise for the employees is not taxed, and the housing accumulation fund deposited by the enterprise for the employees is disbursed in the cost, that is, it can be disbursed before the tax, and there is no need to pay income tax, which undoubtedly reduces the burden of the enterprise. Secondly, the housing provident fund is a part of the welfare of the unit. Paying the housing provident fund for the staff can attract more talents, retain more talents, improve the enthusiasm of the staff and enhance the development ability of the enterprise. At the same time, the provident fund deposited by units and individuals is exempt from individual income tax.
3. Staff:
For employees, there are many advantages: what we know most is that provident fund can be used for house purchase. The interest rate of provident fund loan is preferential. Applying for provident fund loan for house purchase can save the cost of house purchase. At the same time, the purchase of housing can also draw housing provident fund. It can also reduce the pressure of loan repayment. The employees of the unit have a stable and long-term housing deposit, which can be used as a stable source of funds to reduce the pressure of loan repayment. At the same time, it can be used as a supplement for the elderly, and the housing provident fund, as a special housing fund, can be withdrawn at the time of retirement, which can be used as a supplement for the pension of employees, and play a certain role in protecting the later life of employees.
To sum up, it's about whether the provident fund can repay the mortgage and what's the benefit of the housing provident fund. Before reading this article, you must only know the benefits of housing provident fund to individuals. It turns out that housing provident fund also has so many benefits to society and enterprises. Housing provident fund for the city and other places can actually return the house goods, but off-site loan can not be offset every month, you need to first extract and then repay the loan, but the steps are cumbersome, you understand it!