It is more cost-effective to use provident fund loans when we buy a house. We must inquire before taking a loan. So what are the methods to inquire about housing provident fund in Shangqiu City? Let’s take a look with the editor below.

1. Shangqiu City Housing Provident Fund Inquiry

Shangqiu City Housing Provident Fund inquiry can be made in the following ways: 1. You can directly call the Shangqiu City Provident Fund Management Center; 2. Through the local provident fund For inquiries on the website, for example, you can log in to "Henan Housing Provident Fund Inquiry" to obtain more information about insured persons; 3. Insured persons can directly go to the service hall of the Provident Fund Management Center to make inquiries.

2. If you use the provident fund wisely

1. Use the provident fund loan limit

The provident fund is a loan business supported by the state. The loan is relatively favorable, as long as it meets the provident fund Anyone with loan conditions can use the full provident fund loan limit. When using a loan, the provident fund should be used to the maximum extent.

2. Use the full service life of the provident fund

The interest rate generated by a provident fund loan is much lower than that of a commercial loan, so the time limit of the provident fund loan and the time limit of the commercial loan must be set when taking out a loan. good. If it is a couple's loan and both husband and wife are of the same age, then the husband can be the lender, and the application will take longer. However, the degree of adhesion between husband and wife varies greatly. The borrower should borrow from the younger party, so that the number of years to apply for a provident fund loan will be longer.

3. Reasonably determine the sequence of provident fund loans

If the home buyer is buying the first home, he should start with a provident fund loan and then a commercial loan, because this way he can enjoy the provident fund's preferential interest rate policy. But if you are buying a second home, you should first use a commercial loan to buy the first home, and then use the provident fund to finance the loan. This can save interest expenses.

4. Reasonably determine the repayment amount

The provident fund repayment method is not only convenient, but also very flexible. The borrower only needs to pay off the lower repayment amount every month. You can then determine the subsequent repayment amount at will. However, although the provident fund repayment method is flexible, the repayment amount must be reasonably determined to prevent excessive pressure on one-time repayment in the future.