The benefits of buying a house with provident fund loans are as follows:

1, provident fund loan interest rate concessions, the same loan amount, the same repayment amount, provident fund loans and commercial loans, not only the repayment time is short, but also the repayment interest is much less;

2. The repayment methods are flexible and diverse, and the repayment methods of provident fund loans are extremely flexible. As long as the monthly repayment amount is not lower than the "minimum repayment amount", the borrower can determine the monthly repayment amount at will, which is very convenient for the borrower to arrange funds.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. Housing provident fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics:

1, cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not distributed in cash. It must be deposited in the special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented;

2. Specificity: The housing accumulation fund should be earmarked for special purposes and can only be used for purchasing, building, overhauling occupied houses or paying rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.

legal ground

"Regulations on the Management of Urban Real Estate Development and Operation" Article 26 When a real estate development enterprise presales a commercial house, it shall show the buyer a pre-sale permit for the commercial house.

Real estate development enterprises shall, within 30 days from the date of signing the pre-sale contract of commercial housing, go to the real estate development department of the people's government at or above the county level where the commercial housing is located and the department responsible for land management for the record.

Twenty-seventh commercial housing sales, the parties shall sign a written contract. The contract shall specify the construction area and usable area, price, delivery date, quality requirements, property management methods and the liabilities of both parties for breach of contract.