What circumstance can take accumulation fund to gather about accumulation fund common sense
4hw.com.cn: many people think it's not cost-effective to pay the provident fund. A sum of money can't be put there. In fact, objectively speaking, the provident fund may be the most cost-effective investment in the five insurances and one fund. Your provident fund must be your pension account, which is divided into personal account and co-ordination account. The company's pension is paid into the co-ordination account, which does not belong to the individual. However, the provident fund account is different. Let's take a look at it together with Xiaobian.
1、 Your provident fund must be yours
The pension account is divided into individual account and overall account. The pension paid by the company is paid into the overall account and does not belong to the individual. But the provident fund account is different. It belongs to an individual account, that is to say, the money in it belongs to you. No matter where you go to work in the future, whether you continue to deposit in the future, as long as the money in the provident fund account, only you can take it out.
2、 How does your provident fund become yours
Although the money in the provident fund account belongs to you, it can not be taken out casually. Generally, it can be taken out under these circumstances:
1. Take out as down payment when buying a house
After the provident fund has been deposited for a certain period of time, you can go to the provident fund management center to withdraw the provident fund with the purchase contract.
2. Build, rebuild, overhaul housing
If the overhaul of housing is involved, all the balance of the provident fund can be withdrawn at one time, but the withdrawal amount can not exceed the total cost of construction, renovation and overhaul of self occupied housing, and can only be withdrawn once.
Overhaul housing refers to:
① Part of the main components of the house need to be moved or replaced, but not all the houses need to be demolished.
② The house that needs to be overhauled refers to the house whose damage level is assessed as seriously damaged or dangerous.
3. It's used to pay rent when renting
Most young people who have just entered the workplace need to rent houses, and they can also draw the provident fund to pay the rent. In the past, it was very troublesome to withdraw the provident fund to pay the rent. Now many areas have simplified the procedures for withdrawing the provident fund. Take Beijing as an example, they only need to submit the application for withdrawing the provident fund, ID card, certificate of no self owned housing, commitment to withdraw the housing provident fund to pay the rent, letter of authorization and marriage certificate.
4. Apply for provident fund loan with low interest rate
Compared with commercial loans, the interest rate of provident fund loans is much lower, so one of the biggest purposes of depositing provident fund is to apply for provident fund loans.
3、 Unpopular knowledge: these provident funds are also yours
In fact, there is more knowledge about provident fund. You don't know what to lose.
1. When you buy a house, you can withdraw your parents' provident fund
If you want to buy a house, you can withdraw your parents' provident fund. At present, the provident fund management centers in most areas have introduced the policy that the immediate family members can withdraw the provident fund from each other to buy a house. In short, if my provident fund is not enough to buy a house, but my parents are enough, then I can buy a house in my name, but withdraw my parents' provident fund to pay for the house.
2. Provident fund can be used to see a doctor
Provident fund can be used to see a doctor, but this disease refers to a major disease or major surgical hospitalization, the disease does not have to be myself, can be a family member. However, it should be noted that the provisions for major diseases vary from place to place.
3. The secret of provident fund
There are restrictions on the deposit of provident fund. The maximum deposit proportion shall not exceed 12%, and the maximum deposit base shall not exceed 3 times of the local average wage of the previous year. That is to say, even if you earn 50000 yuan a month, but the average salary of your company in the last year is 3000 yuan, your company can only pay 9000 yuan at most.
4. The balance of provident fund can be inherited
As personal account property, provident fund can be distributed as heritage. If the depositor dies, his heirs or bequests can withdraw the balance from the provident fund account.
5. Housing purchase affected by failure to pay provident fund
Application for provident fund loans have continuous deposit time requirements, and the requirements vary from place to place, including 6 months, 12 months or even 24 months. If you buy a house before the provident fund broke, you can not apply for provident fund loans.
6. Provident fund can be used as a minimum living guarantee
If the depositor of the provident fund is included in the scope of the local urban residents' living security or special poverty relief, he or she and his or her spouse can apply for the withdrawal of the housing provident fund, and the withdrawal amount shall not exceed the amount of the housing provident fund during and before the period of being included in the scope of living security or special poverty relief.