[Abstract]:

1, what is the use of housing provident fund?

2, how to withdraw housing provident fund?

3, the provident fund can pay the rent?

......

Question first: what is the use of housing provident fund?

What is the housing provident fund?

Housing provident fund, is the employer in order to safeguard the housing problems of employees, in accordance with the proportion of each month the wages of the employees, pay a penny, separate files that the employee individual accounts (designed to pay the provident fund account), employees are deducted from your wages equal money, be put into this account.

However, although their provident fund accounts, but not as we daily use personal bank accounts, to be able to access. It is the monthly mortgage, and only when the person to buy a house, rent or decoration, and can provide proof of the corresponding materials (for example: purchase contract...) Later, can apply for to extract. Otherwise, it will be retired after a one-time out of all.

What is the use of housing provident fund?

1, paid provident fund, can increase your income. Because the fund is part of the individual deposit, units outstanding part, all individual accounts, personal property.

2, to pay personal income tax. To pay the provident fund part of income tax deductible.

3, the purchase of housing can enjoy low interest loan fund.

Question second: how to withdraw housing provident fund?

1, housing consumption extraction:

The purchase of owner occupied housing; overhaul, renovation of housing owned; self owned housing rent; beyond the provisions of the family wage income proportion of housing loan repayment of principal and interest.

2, you extract:

Retired, retirement; settle abroad; lose labor ability completely, and termination of labor relations unit (two indispensable conditions); death. How to extract housing provident fund? Extraction workers housing provident fund must be remitted units for the. Units issued by the channel "housing provident fund withdrawal applications", affix its seal, attached receipts to prove the material, the city housing provident fund management center system after the audit, the procedures for payment.

Question third: apply for housing provident fund loans should have what conditions?

(1) a town resident accounts;

(2) for housing provident fund subscribers time not less than six months;

(3) the purchase payment amount not less than the prescribed proportion (now 20%);

(4) the applicant has the ability to repay the loan;

(5) there is no provident fund loan debt and other outstanding amount is large, may affect the ability to repay loan debt.

Question fourth: what is the housing provident fund personal loans interest rates?

From December 23, 2008 onwards, cuts individual housing common reserve fund loan interest rates 0.18 percentage points each grade. Below five year time (including five years) changed from 3.51% to 3.33%, more than five year period from 4.05% to 3.87%.

Question fifth: what is a housing provident fund loan process?

The first step  Loan advisory loan applicant to purchase housing provident fund loan bank loan advice, receive "Yishoufang individual housing provident fund loans.".

The second step  Submit the application

1, "a real personal housing accumulation fund loan folder";

2, borrowers couples ID card, residence booklet, marriage certificate and a copy of the original (single provide Civil Affairs Bureau, proof of marital status);

The original 3, the property sector for the record of the purchase contract and receipt of payment and a copy of the;

Other documents required by 4, the bank loan.

The third step  The signing of the contract the lending bank accepts the loan applicant information, the bank reported a provident fund center for examination and approval, the borrower signed loan contract and the mortgage contract and other related documents and the lending bank loans.

The fourth step  For mortgage loans from banks or borrowers to the real estate mortgage registration department to handle the mortgage registration.

The fifth step  Loans issued by the central provident fund loans the bank will loan funds to transfer directly into the units sold accounts.

The sixth step  Monthly monthly repayment from loans, the borrower should be according to the "loan contract" agreed, 20 days of each month to repay the loan principal and interest, until all the loan settlement. The last remaining borrower repaid loans, should personally go to bank loans and owing on the loan settlement procedures in the bank counter.

The seventh step  The cancellation of mortgage borrowers repaid all loans, with the loan issued by the bank loan clearance certificates and revocation of mortgage real estate mortgage registration department to prove that to cancel the registration of mortgage procedures.

Question sixth: what is the second-hand housing to apply for housing provident fund loan process?

To buy second-hand housing to apply for individual housing provident fund loans, there are two ways to conduct:

1, the borrower has to deal with the first step to the lending bank loan advisory consulting, a "second-hand housing individual housing provident fund loans folder": by the housing seller and the spouse (single issued by the Civil Affairs Bureau proof of marital status), the seller under the name of "all of housing", "state-owned land use certificate", residence booklet, identity cards, marriage certificate and a copy of the original, "housing valuation report", the seller account passbook to the bank loans for pre registration, receive the "second-hand housing individual housing provident fund loans.".

The second step to submit the application

(1) "second-hand housing individual housing provident fund loans.";

(2) the purchase of housing valuation report;

(3) both signed the "purchase contract" housing stock;

(4) the seller under the name of the "all of housing", "use of state-owned land" (original and copy);

(5) the seller account passbook;

(6) both husband and wife's identity card, residence booklet, marriage certificate (original and copy), single workers provide proof of civil marriage status.

The third step to sign the contract loan bank accepts the loan applicant information, the bank reported a provident fund center for examination and approval, the borrower signed loan contract and the mortgage contract and other related documents and the lending bank loans.

The fourth step of housing transactions transfer both to the real estate bureau and the Bureau of land for housing "two cards" transfer procedures.

The fifth step for mortgage loans from banks or borrowers to apply for mortgage registration formalities at the real estate bureau, and receive a "housing He Xiang of".

The sixth step consists of the central provident fund loans loan funds through bank loans directly transferred to the real side of the deposit account.

The seventh step on the monthly repayment of loans on time, the borrower under the "loan contract" agreed 20 days of each month to repay the loan principal and interest, until the loan was repaid in full. The last remaining borrower repaid loans, should personally go to bank loans and owing on the loan settlement procedures in the bank counter.

The eighth step the cancellation of mortgage borrowers repaid all loans, with the loan issued by the bank loan clearance certificates and revocation of mortgage real estate mortgage registration department to prove that to cancel the registration of mortgage procedures.

Question seventh: second-hand housing provident fund loans entrusted to an intermediary for what is the process?

The first step in loan counseling borrowers directly to the conduit company (Wuhan Bai Juyi Real Estate Management Consulting Co. Ltd., Wuhan easy Jiayi housing replacement Co. Ltd., Wuhan City housing Company limited by guarantee, Wuhan huamingda Real Estate Information Consulting Co., Ltd.) consulting, a "second-hand housing individual housing provident fund loans.".

The second step to submit the application by the housing seller and the spouse (single issued by the Civil Affairs Bureau proof of marital status), the seller under the name of "all of housing", "state-owned land use certificate", residence booklet, identity cards, marriage certificate and a copy of the original, "housing valuation report", the seller account passbook to the bank loans of pre registration, and submit a loan application data (with self management information).

The third step to sign the contract loan bank to accept the loan applicant information, examination and approval by the bank reported a provident fund center, to determine the loan amount and duration; the conduit company for the house buyers and sellers agent real estate license and certificate of land transfer procedures to provide security letter of acceptance; bank loans signed loan, the mortgage contract and the borrower.

The fourth step loans for housing all of the transfer, the provident fund center with the "all of housing" and "use of land" single recipient can grant the loan funds, loan funds will be through the bank to transfer directly transferred to the real side deposit account.

The fifth step is to apply for housing mortgage conduit company two permits and housing mortgage registration for borrowers, and housing He Xiang of the lending bank receipt file.

The sixth step the monthly repayment of loans by the borrower to the next month, the contract 20 days of each month to repay the loan principal and interest, until the loan was repaid in full. The last remaining borrower repaid loans, should personally go to bank loans and owing on the loan settlement procedures in the bank counter.

The seventh step the cancellation of mortgage borrowers repaid all loans, with the loan issued by the bank loan clearance certificates and revocation of mortgage real estate mortgage registration certificate to the original authority to cancel the registration of mortgage procedures.

Question eighth: unit without pay can apply for individual housing provident fund loans?

Workers to apply for housing provident fund loans housing provident fund subscribers time not less than six months. If the unit has not timely paid housing provident fund loans workers which do not meet the above conditions, workers can not receive housing provident fund loans. But we also consider, units outstanding employee housing provident fund have all kinds of reasons, the vast majority of workers is innocent. In order to safeguard the legitimate rights and interests of workers, promote employee housing consumption, the unit has not timely paid housing provident fund, outstanding employee housing provident fund, the unit staff unable to obtain housing provident fund loans, has two kinds of remedy measures:

(1) as long as the unit back housing provident fund amounts outstanding visual staff, with the staff has been paid housing provident fund.

(2) if the unit to back housing provident fund payment of the amount of all the staff, can apply for loans to employees of case processing. As long as the outstanding housing provident fund units during the individual workers to make up the back should be paid housing provident fund interest, and provide loans equal margin, at the same time to develop units of housing provident fund payment plan, the employee can apply for housing provident fund house purchase loans.