纯公积金房贷知识（Pure provident fund housing knowledge）.docVIP

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纯公积金房贷知识（Pure provident fund housing knowledge）.doc

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纯公积金房贷知识（Pure provident fund housing knowledge）

纯公积金房贷知识（Pure provident fund housing knowledge） Pure provident fund housing loan knowledge I. what is the personal housing accumulation fund?: Housing provident fund is the state organs, state-owned enterprises, urban collective enterprises, foreign investment enterprises and other enterprises long-term housing savings for the paid workers on the job. Housing provident fund used for employees to purchase, construction, rehabilitation, overhaul occupied housing, no unit or individual shall not be diverted. Housing provident fund management, the implementation of the housing committee decision-making, housing provident fund management center operation, construction bank accounts storage, financial supervision principles. The ordinary individual provident fund account amount consists of two parts: 1, the housing provident fund units for workers paid, the amount of the employee last year the average monthly salary multiplied by the employee housing provident fund deducted 7% calculation. 2, I deposit the housing accumulation fund, the amount of workers for the previous year, the average monthly wage multiplied by the staff housing provident fund deposit 7% monthly calculation. Note: some enterprises with good returns will also deposit supplementary provident fund for employees, and use the same as the common reserve fund. Two. Shanghai housing accumulation fund loans should have the conditions: 1, only to participate in the housing provident fund system workers will be eligible to apply for housing provident fund loans, housing provident fund system workers can not apply for housing provident fund loans. 2, that is, apply for loans before the continuous payment of housing provident fund time of not less than six months. Because, if workers housing provident fund deposit behavior is not normal, intermittent, the income is not stable, prone to the risk of loans. 3, the spouse of a housing provident fund loans, in the absence of repayment of loans before and after the prin