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Can the provident fund pay for a home purchase loan?

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    Published on 2017-12-6 10:31:22 | Show all floors |Reading mode
    "Xiaojin, can I use the provident fund loan in the city of B to buy a house in the city of B?"

    Everyone must be familiar with this problem. Xiaojin’s eyes are slightly bright when he sees this problem. It is not complicated to find out the problem, so today I will talk to you about the answer. It can be no problem.

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    As far as the current social situation is concerned, with the flow of the population, the purchase of foreign land has become the choice of many people. At the same time, more and more people choose to provide housing loans to buy houses. Then, can we combine the two to carry out the “CPF purchases in different places”? The answer is yes. We should also pay attention to the following questions while we are happy.

    Q1: To understand the local purchase policy
    The policies for buying a house are different for different cities. It is very clear that the city has clear restrictions on the purchase qualifications of household registration personnel in other provinces and cities. Therefore, we must first understand whether we can purchase the house here if we meet the local policy. If it is satisfied, let us see if we can use the provident fund to buy a house.

    Q2: Correctly reviewing your economic strength
    It is necessary to correctly estimate senior economic strength. Because most of the purchases in different places are to buy a second, third or nth suite. Therefore, in order not to increase your own economic burden, you must calculate whether your economic strength can support monthly repayment before buying a house.

    Q3: Choosing the right repayment method
    In fact, this issue is a commonplace. It is nothing more than optimistic that you are more suitable for equal principal and interest or equal principal. Make a comprehensive judgment based on the loan amount, age and economic situation. Choose the most economical one. By the way, a national regulation. The interest rate of the provident fund loan is 2.75% within 1-5 years and 3.25% over 5 years.

    Q4: If you do not use a home loan, can you withdraw the housing provident fund from another place?
    In order to ensure that the staff pays the housing provident fund policy on a regular basis, the housing-free property management department that purchases the house outside the city where the work and the household registration is located may issue a certificate of no housing and proof of purchase to extract the housing provident fund to pay the first set of housing. Purchase house and loan principal and interest.
    In order to protect the purchase rights of employees who have paid the housing provident fund, they respect the right to choose the housing of the housing fund, and also to ensure the authenticity of the self-occupied housing of the workers who have paid the provident fund.

    Of course, some cities may not support off-site purchases, so we must understand the policies of the local management center before choosing this operation.

    Speaking of the final Xiaojin summing up, it is the provident fund to support the purchase of a home loan. If you don’t want to buy a house, it is okay to buy a house from a different place. If you look at the openness of the current provident fund policy, I hope that the provident fund policy can be better and better. People, let more little cute people have their own warm home.

    Old rules, before next Wednesday, Xiaojin will take a little cute gift in the comments! Come and post your own opinions or ideas.~

    This post is posted for the author, does not represent the 360 ​​position, reprinted to indicate the source

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    Published on 2017-12-6 16:00:59

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    Published on 2017-12-6 11:40:34

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    I feel like saying nothing.

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    Published on 2017-12-6 11:20:52

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    Yeah, so good.

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    Published on 2017-12-6 11:27:46

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    Apply for a provident fund

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    Published on 2017-12-6 11:31:45

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    Guangxi household registration can not withdraw the provident fund when buying a house in a foreign country

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    Published on 2017-12-6 15:46:10

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    Shepherd, oh oh

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    Published on 2017-12-6 16:21:05

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    Published on 2017-12-6 18:26:11

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    Published on 2017-12-6 19:01:56

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    No, there is a difference between the way and the amount of the provident fund
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