Recently I saw on the Internet said, heAlready paid8Years of accumulation fund, there is6Million yuan. But in a few years ago to buy a house, although the mortgage loans, but because I heard that the provident fund of not to take, the interest rate is very high, but do not have to pay interest tax, so never take the provident fund.

In fact, According to state regulations, housing provident fund every year6Month30Settlement provident fund interest, and print a single interest. That year1To6Month paid provident fund according to the current deposit interest rate, bear interest (current7Months to next1Month) of the provident fund deposit in three months time settlement interest rate. Simple point says, those who were once interest funds according to three month fixed deposit interest, haven't married income funds, will be the new deposit funds only current interest. If there has been no provident fund, before married interest funds interest rate is only3.33%To save money, according to the current interest. Then have a look attractive interest rates. Half year period3.78%A years time4.14%For three years5.40%For five years5.85%. Like the case of online, where the existing provident fund8Years, so the early accumulation fund has the opportunity to take out a five year time deposit. In this way, there will be more of interest income into the pockets of his.

 

More specific about the housing accumulation fund can also how to skillfully use!

Housing provident fund individual house purchase1~5Year annual interest rate3.6%Than the purchase of commercial loans, low1.17%.6~30Year period

The annual rate of4.05%Than the purchase of commercial loans, low0.99%.

Recently, on the purchase policy and news will buy a house people's attention was focused on the "second suite", "loan interest

"," repayment "and so to say. However, for close to the housing accumulation fund, many people do not use

In place.

Employees pay personal housing accumulation fund, is a long-term housing compulsory deposit, unified storage, special use

Savings, composed of two employees and their units outstanding, all belong to the individual. The following are some clever use of.

Strategy a: lines can be flexibly used

According to the regulations, if the couple both payment of provident fund, can only use one, not two sides at the same time.

For example: Ms. Wang and Mr. his companies are white-collar workers, ready to get married buy a house when designing an excellent idea: in and Zhang

When a marriage certificate, two people get their name to purchase4The floor and the5The house adjacent to the bedroom upstairs, so

As to save money.

Because if two people were to buy a house, only a couple of people in the provident fund amount10Million, while two people

Will be able to buy a house of their application10Million provident fund, provident fund loans can be10Million yuan. When the two sets of house

All the decoration is good, they put one per month1600Yuan price rented out, and this can be done

"The rent to" reduce the repayment pressures. Ms. Wang also plans in the future after the birth of a child, now4Building and5

Building two rooms, fitted with stairs, become a penthouse apartment. Ms. Wang will use provident fund loans really count

Home.

Strategy two: loan portfolio yuan

If you apply for provident fund loans not enough down payment Fangjiekuan, can also apply for individual housing loan business

The combination of the two, called the loan portfolio loans.

For example, Ms. Wang to40Million yuan to buy a certain level unit, in a mortgage companies do mortgage, requirements to help her get32Million provident fund loans. More stringent conditions for provident fund loans, sometimes may not be entirely according to the requirements of buyers

Line for.32Million provident fund loans is 80% of the property price, the amount of provident fund loans do apparently

Impossible, a provident fund to provide loans shall not exceed 70% of the transaction price, and the maximum of the provident fund loans

Amount to25Million yuan. But the mortgage companies found, because MS is the white-collar workers, the monthly income of over 10000 yuan, bank "quality customers", so she applied for 80% of the total bid amount of total loans, the bank is approved. So, in the mortgage companies's help, Ms. Yu held consultations with the banks, eventually handling33Million "loan portfolio", i.e.25Million provident fund loans and8Commercial lending portfolio million and. Although the same loans, but loans to commercial loans and provident fund interest rates differ by a large margin. Commercial loan interest rates4.77%Provident fund loan interest rates, while the3.6%For this, a provident fund loans to help Ms. Wang save several million.

Strategy three: how to use the provident fund to purchase a car

At present, the automobile consumption is rising, some public housing, abundant funds, did not apply for housing loans, can

Shortly after the need to purchase a car when the shortage of funds, had to apply for loans to purchase a car. In fact, it is better to live in the house when the application

Housing loans to purchase a car, set aside funds, this is actually a clever use of housing loans to purchase a car.

If the same is10Million yuan5Years of the loan period, housing accumulation fund loan interest rate is3%, the monthly repayment amount is

1823.66Element, and car loan interest rate is5.025%, the monthly repayment amount to2169.2Element. At present, some cars

Vendors launched10%Preferential interest rates, even if the monthly repayment amount will reach1952.28Element.5Two years down

Differ7717.72Element.

In addition, the housing loan period is longer, can reduce the monthly repayment amount. At present, automobile loans in general5Years

Below, the same loan10Million yuan,5Annual auto loans monthly repayment to2169.2Element, and the20Years of accumulation fund loan

The monthly repayment as long as608.62Element. This will greatly reduce the repayment pressures.

Therefore, property buyers even buy a house when the abundant funds, should also consider other prior to the bulk of consumption demand, such as purchase

Car, decoration, the education of their children, and for a certain proportion of housing loans, is more cost-effective for pure provident fund loans

Paragraph.

Strategy four: provident fund deposit interest tax

Many people see more and more money in their provident fund accounts, often it is not worthwhile: in addition to buy a house or some special

In order to set the conditions of use, to "cash" only retirement, such a large sum of money not pity. Few people know

Tao: money in the provident fund account is not charge interest tax, the provisions of the current state of interest rate, money in the provident fund

The account, the absolute than bank demand deposits, bonds1Year, lump sum1Years to pay.

At present, the staff in the storage housing provident fund savings deposit rate comparison0.72%Interest, a year

Housing provident fund loans to store those three months - the rate that1.71%Interest bearing. But the commercial bank deposits of the whole

Save the whole take one year's interest is1.98%Except20%Interest tax1.58%, to be lower than the provident fund interest rate0.13%.

Therefore, if not in a hurry to use provident fund deduction limit, the money in the provident fund in absolute more convenient and cost-effective,

Moreover, there are second suites timely loan to limit opportunities. If both loan and loan business loans provident fund

And, by the provident fund accounts of the money deducted provident fund loans, not as good as other ready money, the first commercial loans.

Strategy five: considerable "pension"

It is understood, at present a lot of people only know the "hardware" is required, and no "provident fund" is no problem. In fact, the provident fund is a statutory will pay, employee abandoned the "provident fund", have to give up a very important benefits, and even can be said to be abandoned a pension. The first is the loss of the right to purchase loans. Housing provident fund individual housing loan interest rates are,1~5Year annual interest rate3.6%,6~30Year annual interest rate4.05%. And the purchase of commercial loan interest rates,1~5Year annual interest rate4.77%,6~30Year interest rate5.04%. In addition, the use of provident fund staff if has not buy a house, retirement, or suffer lose labor ability completely, one can extract housing provident fund balance of all loans, which is a considerable "pension but".

 

On the housing accumulation fund is introduced to here, and then we briefly the wages of individual income tax is calculated by how.

Individuals to obtain income from wages and salaries, refers to the individual because of the tenure of an office or employment, wages, salary bonus, year-end pay, labor share out bonus, allowances, subsidies and service or employment of other income.

Personal income tax standard:2000Yuan, is now a monthly income of more than2000The cutoff, that is to say, below the cutoff point, do not need to pay personal income tax.

Income from wages and salaries, the following steps to calculate the individual income tax:

The monthly wage income minus personal, first assume the basic old-age insurance, medical insurance, unemployment insurance, industrial injury insurance, unemployment insurance and the provincial government set standards to pay the housing provident fund, minus expenses deduction2000Element/Month (from the foreign income and foreign nationals, overseas Chinese and Hongkong, Macao, the Taiwan compatriots in China territory from monthly can also be additional deductions for expenses3200Yuan), the taxable income shall be the amount, according to5%To45%Nine stage progressive tax rates to pay personal income tax.