How to pay housing provident fund mortgage: Analysis of hot topics on the entire network in the past 10 days
Recently, adjustments to housing provident fund policies and changes in mortgage interest rates have become the focus of hot discussions across the Internet. Many home buyers are concerned about how to use housing provident fund to reduce mortgage pressure. This article will combine the hot contents of the past 10 days to structure the settlement, loan process and precautions of housing provident fund, and provide practical data references.
1. Basic rules for housing provident fund payment
According to the latest policy in 2023, the housing provident fund contribution ratio and base shall be stipulated by local governments. The following are comparison data for popular cities:
| City | Contribution ratio (unit + individual) | Base upper limit (element) | Changes in hot policies |
|---|---|---|---|
| Beijing | 5%-12% | 31884 | Support provident fund loans in other places |
| Shanghai | 5%-7% | 34188 | Increased rental withdrawal amount |
| Guangzhou | 5%-12% | 37200 | Second-child family loan amount +30% |
| Shenzhen | 5%-12% | 38892 | Flexible employment personnel can voluntarily pay |
2. Comparison of 3 ways to repay mortgage loans by provident fund
The loan repayment method with the highest number of discussions on social platforms recently is as follows:
| Way | Applicable | Processing process | Popularity Index (Previous 10 days) |
|---|---|---|---|
| Receive monthly | Sufficient provident fund balance | Sign an automatic deduction agreement | ★★★★★ |
| Extracted annually | Commercial loan users | Offline application and withdrawal every year | ★★★★ |
| Partial repayment in advance | Idle funds | Make an appointment in advance | ★★★☆ |
3. New changes in provident fund loans in 2023
In combination with the latest notices of the Housing and Urban-Rural Development Bureaus in various places, the main changes are:
1.Adjustment of loan amount calculation method: Many places introduce "deposit and loan linkage" mechanism, and the account balance × multiple determines the loan amount
2.Second-home recognition is relaxed: Cities that already have housing but have insufficient per capita area can be implemented according to the first-home policy
3.Facilitation of off-site loans: The Yangtze River Delta, Pearl River Delta and other regions realize mutual recognition and mutual loans for provident fund
4. Hot Questions and Answers: 5 Questions that netizens are most concerned about
Based on Baidu search index and Zhihu hot list:
| question | High frequency keywords | Official answer points |
|---|---|---|
| Will paying a break in your job change affect your repayment? | Pay off, pay back, overdue payment | The loan has not affected, but it needs to be paid in time |
| How to pay the provident fund first for portfolio loans? | Repayment order, interest rate difference | You need to actively choose "repay business loan first" |
| Can parents provident fund be used by their children? | Intergenerational mutual assistance, relative extraction | Some cities support mutual assistance from immediate relatives |
5. Experts’ suggestions: Provident fund usage strategy in 2023
1.Pay attention to the policy window period: Many places have introduced phased support policies, such as Chengdu's "provident fund loan interest subsidy" will continue until the end of 2023
2.Optimize deposit plan: High-income earners can choose to pay the maximum amount, and some cities allow supplementary provident fund
3.Beware of repayment traps: Early repayment may result in liquidated damages. It is recommended to consult the loan bank
The housing provident fund policy is highly regional, and it is recommended to check the latest details through the local provident fund APP or government service network. Rationally utilizing the provident fund policy can save 10%-30% of mortgage interest expenses, which is an important financial planning tool for ordinary families.
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