上海公积金到底有什么用

The gold in the five insurances and one fund we often say is the provident fund，today，上海誉商港信通-来和大家说说这公积金的作用。one、Definition of Provident Fund：provident fund，Generally refers to housing provident fund。The housing provident fund refers to the state agency、state-owned enterprises、Urban collective enterprises、foreign-invested enterprises、Urban private enterprises and other urban enterprises、Public institutions、Private non-enterprise units、Long-term housing savings deposited by social groups and their employees。

A provident fund account is not like a personal bank account that can be accessed and withdrawn at any time.。It is paid monthly，And only when an individual wants to buy a house、Rent or renovate，and can produce corresponding supporting materials.，Only then can you apply for withdrawal。Otherwise, you have to wait until you retire and withdraw it all at once.。

two、The role of provident fund：A、Buy a house a.

1. You can withdraw your provident fund in one go if you buy a house without taking a loan；
2. If you buy a house with a commercial loan, you can withdraw the provident fund to repay the principal and interest.；
3. If you buy a house with a commercial loan, you can withdraw the provident fund for the down payment.；
4. If you buy a house with a provident fund loan, you can withdraw the provident fund to repay the principal and interest.。

b. Benefits of provident fund loans：

1. Loan interest rate is low；
2. Housing provident fund loan interest can be deducted from personal income tax；
3. Provident fund loans have relatively active age restrictions on houses.，Less restrictions，There is more room for choice；
4. Provident fund can apply for full loan repayment in advance、Partial repayment of loan in advance，As long as it meets the conditions，No liquidated damages will be charged。

B、Building housing on rural collective land、Renovation、Overhaul of own home loan，Employees and their spouses can apply to withdraw the provident fund amount before the month when the house construction is approved.，The total amount withdrawn shall not exceed the amount of the house to be built

cost

；C、租房大家都知道上海租房子可不便宜，This is when the Provident Fund comes into play.。a.

1. Use the provident fund to pay the rent of economic rental housing with rent or government rental subsidies；
2. Use provident fund to pay market rent。

b. Conditions for housing provident fund payment of rent：

1. I have paid housing provident fund continuously for 3 months；
2. I and my spouse currently do not own a house and rent a house；
3. I and my spouse currently do not have housing provident fund loans、There is no entrustment for withdrawal of housing provident fund, repayment of housing loan and other agreed withdrawal entrustments.。

D、Parents buy houses for their children

1. Not using a housing loan to purchase an owner-occupied home，Parents’ provident fund can be withdrawn；
2. Use a commercial bank personal housing loan to buy your own home，Parents’ Provident Fund can be withdrawn after paying the down payment；
3. Use a personal housing provident fund loan to purchase your own home，Parents’ Provident Fund can be withdrawn after paying the down payment。

E、Close the account and withdraw the entire balance

1. Leave、retired；
2. 农业户籍职工男满60周岁，女满55周岁的；
3. Go abroad、port、Australia、settled in Taiwan area；
4. Complete incapacity to work、Most of those who have lost the ability to work or are severely disabled and have terminated or terminated their employment relationship with the employer；
5. Those receiving unemployment insurance benefits；
6. sentenced、The city where the household registration is moved、The labor relationship between employees who are not registered in the city where they are located and the unit where they work is terminated or terminated；
7. It has been 2 years since the housing provident fund account was transferred to a centralized lock-up account or the labor relationship with or with the unit where the employer is located has been terminated or terminated for 2 years；
8. Those who work outside the administrative area of ​​the city and establish and deposit housing provident funds locally，The account can be closed to withdraw the entire provident fund balance。

以上就是在上海地区进行的买房、The use of provident funds for renting and borrowing。

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