公积金22问----让你全面了解公积金贷款(国外英文资料).docVIP

公积金22问----让你全面了解公积金贷款 Accumulation fund 22 ask -- let you know the accumulation fund loan fully Question 1: what is the use of housing provident fund? What is housing accumulation fund? The public accumulation fund for housing construction, in order to ensure employee housing problem is unit of choose and employ persons, each month according to employees wage scale, pay some money, separate to the employees independent account (specially used to pay accumulation fund account), employees also have the same money deducted from the salary, a coexist to this account. However, the provident fund account is own, but it is not as readily accessible as our daily personal bank accounts. It is a monthly payment, and only if the person is to buy a house, rent a house, or decorate a house, and can provide the relevant proof material (for example: the purchase contract...) Only then can the application be extracted. Otherwise, you will have to wait until after retirement to withdraw all the time. What is the use of housing accumulation fund? The contribution to the accumulation fund will increase your personal income. Because accumulation fund is a person capture part, the unit capture part, all enter individual account, belong to individual property. You can pay less income tax. The partial income of the accumulation fund will be exempted from tax. When buying a house, you can enjoy low-interest provident fund loans. Question 2: how to withdraw housing accumulation fund? Housing consumption withdrawal: (1) purchase from housing; Major repair and construction of own houses; Self-owned housing; (2) where the rent exceeds the proportion of the household wage income; (3) to repay the principal and interest of the housing loan. Sales: (1) retiring or retiring; (2) settling out of the country; (3) to completely lose the capacity for labor and to terminate the labor relations with the unit; (4) death. How to collect housing accumulation fund? The worker extraction housing accumulation