First, buying a house: this is actually the original intention of setting up a housing provident fund. When you buy a house, you can use it as a loan, and at the same time you can use a commercial loan to make a down payment.

Second, if you already own a house, you can use the housing provident fund, whether it is under construction, renovation or overhaul.

Third, if you rent a house, you can also use the housing provident fund, but the amount of public rental housing and commercial housing is different.

Fourth, if the family encounters a particularly big change, the housing provident fund can be included in the low-income or extremely poor range for extraction and use.

There are restrictions on the proportion of provident fund deposits.

At present, the deposit ratio of housing provident fund shall not exceed 12%. Every year, the housing provident fund management center will verify your payment base according to your salary in the previous year, and then the expenses will be borne by enterprises and individuals respectively according to your payment base. No matter how high the salary is, the contribution ratio of the provident fund cannot exceed 12%.

/kloc-if it has not been used for 0/0 years, the maximum amount can be 65438+ 10,000 yuan.

Those who have paid the housing accumulation fund 10 years or more (inclusive) and have not used it, can withdraw and use the housing accumulation fund of themselves and their spouses once when decorating their own houses, with the maximum withdrawal amount of 654.38+10,000 yuan.

You can withdraw the provident fund after paying for 3 months.

If you don't own a house in the deposit city and rent a house, you can withdraw the housing provident fund to pay the rent as long as you deposit the provident fund for three consecutive months, without rent invoices or tax bills.

After death, the heir can withdraw the provident fund.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account. If there is no heir or legatee, the balance of the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

The provident fund helps to settle down.

Provident funds can help settle down. In Beijing, the residence permit policy will be issued soon, and the specific details need to be announced, but it is certain that the provident fund will help foreign workers who apply for settlement.

What is a "portfolio loan"

Housing provident fund portfolio loan refers to two kinds of loans that individuals apply for housing provident fund loans and commercial housing loans from loan banks when the funds needed for buying houses are insufficient.

Legal basis: Article 8 of the Civil Law stipulates that civil subjects shall not violate the law or public order and good customs when engaging in civil activities.