Or choose a good season, take a trip, wash away mental fatigue and feel the beauty of the world.
But there are always two little people fighting in their heads:
A villain said that the provident fund must be saved, and it will be useful to buy a house in the future.
Another said that the provident fund can be taken out for investment and financial management.
Let me explain to you today, should the housing provident fund be taken out?
First, the provident fund is well kept.
Provident fund is a long-term housing savings enforced by the state. And there are clear and strict regulations on the scope of withdrawal and use, which means that the money is "special" and also a guarantee for our "difficulty in buying a house" problem.
For those who haven't bought a house, it is recommended not to withdraw the provident fund.
Because, when buying a house, taking out the money from the provident fund has the greatest impact on the amount of provident fund loans. Generally speaking, the more money in the provident fund account, the more the loan amount will be.
Because the provident fund is a local management, the policies in different regions are different, and the maximum amount of domestic housing prices is roughly sorted out. Let's see:
The following are three common ways to calculate the amount of provident fund loans, but in any case, they will not exceed the local maximum loan amount:
1 is directly calculated by the multiple of the balance, which is usually 14-30 times, such as Shenzhen, which is simple:
The formula is: loan amount of provident fund = balance of provident fund account * 14.
2 There is also the average monthly balance of the account, multiplied by the average monthly balance, such as Hangzhou.
The formula is: loan amount of provident fund = average monthly balance of housing provident fund account × 15.
This is more troublesome, but for example, everyone will understand. For example, I have 10000 in my account and deposit 1000 every month. Then my average monthly balance = (10000+1000+12000+...+21000) ÷12 =/kloc.
There is also a calculation method with time, such as Guangzhou.
The formula is: account balance ×8+ monthly deposit × months from retirement age.
For example, I have 50,000 yuan in my account and deposit 1 0,000 yuan every month. I am 30 years old, and I have 30 years to retire at the age of 60, that is, 30 × 65,438+02 = 360 months.
Then my credit line = 50000× 8+1000 * 360 = 760000 (760000).
But! As mentioned earlier, the maximum loan amount of Guangzhou Personal Provident Fund is only 600,000, so the final loan amount is only 600,000.
You can refer to the calculation method issued and calculate the amount of provident fund loan in your account according to the provident fund policy of your city.
Of course, if you already have a house and want to buy a house with a provident fund loan, some regional housing provident fund management centers have clear regulations: you can't buy a house, and there is no limit on the loan amount.
Second, the provident fund is taken out.
After working for several years, in fact, everyone can still leave a lot of money in the provident fund account. Although everyone's salary is different, it is probably tens of thousands.
The interest rate of this money in the provident fund account is super low. If you take it out as a financial management, you can regenerate it even in a bank or Alipay. Compared with the two, it is the same year. In the same bank, the interest on time deposits is higher than that on provident funds.
For example, according to the deposit interest rate of CCB in official website, the one-year fixed annual interest rate of 10000 yuan deposited by CCB is 1.75%, and the maturity interest is 175 yuan; The provisions for calculating the interest of the provident fund are as follows: the balance of the provident fund collected and paid in the previous year shall be settled at the three-month fixed deposit rate (1.50%), and the current interest rate (0.40%) shall be settled at that year. If someone's balance in the previous year is 10000 yuan, the interest after interest settlement is 150 yuan.
On a daily basis, taking out the money from the provident fund can also meet daily consumption.
(However, the provident fund money needs to meet certain conditions before it can be withdrawn. Different urban housing provident fund management centers have different policies on provident fund withdrawal. Under normal circumstances, the conditions for withdrawing the provident fund are as follows: purchasing commercial housing to withdraw; Construction, renovation and overhaul of owner-occupied housing; Repayment of housing loans; Rent a house for self-occupation; Pay property fees; Low income poverty; Extract serious diseases; Emergency extraction; The cancellation of an account; Extract the termination of labor relations with the unit and so on. )
Of course, if your provident fund balance is enough to lend to the local maximum loan amount, such as the example of Guangzhou in the third calculation method above, it is of little use to save it, so it is better to invest it.
Of course, if you have already bought a house, there is no need to save the provident fund. You should take it out and do something else.