How to use the money in provident fund? Analysis of hot topics on the Internet in the past 10 days
Recently, the use of provident funds has become a hot topic on social platforms. With the adjustment of local policies and the upgrade of convenient services, provident funds are no longer limited to home purchases, but have expanded to more life scenes. This article will provide you with a detailed analysis of how to use provident funds based on hot data from the entire network in the past 10 days.
1. Popularity ranking of provident fund usage scenarios (last 10 days)
| Ranking | Usage scenarios | Discussion popularity | Policy support cities |
|---|---|---|---|
| 1 | Rent extraction | ★★★★★ | Nationwide |
| 2 | Medical treatment for serious illness | ★★★★☆ | 28 provinces and cities |
| 3 | Renovation of old residential areas | ★★★☆☆ | 15 provinces and cities |
| 4 | Install an elevator | ★★★☆☆ | 12 provinces and cities |
| 5 | Children's education | ★★☆☆☆ | 8 provinces and cities |
2. Latest policy changes (updated in 2023)
1.Withdrawal amount increased:Many places have adjusted their rental withdrawal limits. For example, Shenzhen has raised the monthly withdrawal limit from 65% to 80%.
2.Simplified application process:The Yangtze River Delta region has realized "one-stop processing", and the withdrawal and approval time has been shortened to 3 working days.
3.Expanded scope of use:Guangzhou, Chengdu and other places have newly added projects of "installing elevators in existing residences".
3. A complete guide to using provident funds
1. Use for purchasing a house
• Loan limit calculation formula: account balance × multiple (different places, usually 8-15 times)
• Interest rate advantage for first-time home buyers: 1-2 percentage points lower than commercial loans
2. Rent withdrawal
| City | Maximum monthly limit | Extraction frequency |
|---|---|---|
| Beijing | 2000 yuan | quarter |
| Shanghai | 2500 yuan | monthly |
| Guangzhou | 1400 yuan | half a year |
3. Other uses
•Medical treatment for serious illnesses:You can apply if the out-of-pocket amount exceeds a certain amount (a list of medical expenses is required)
•Retirement Withdrawal:A one-time withdrawal is available upon reaching the statutory retirement age
•Subsistence allowance families:Can apply for full withdrawal
4. Recent hot questions and answers
Q: Will the money in the provident fund account expire?
A: It will not expire and will continue to accrue interest (based on the one-year time deposit benchmark interest rate).
Q: What should I do with my provident fund if I change my job in another city?
A: The transfer can be processed through the National Provident Fund Transfer and Continuation Platform without the need to cancel the account.
Q: Can freelancers contribute to provident funds?
A: Currently, 18 cities are piloting flexible employment policies, including Shenzhen, Chongqing, etc.
5. Expert advice
1. Priority is given to retaining the provident fund account balance, which affects the loan limit
2. It is recommended to choose monthly or quarterly withdrawals for rent to avoid one-time withdrawals affecting loan qualifications
3. Pay attention to the local government affairs APP, many businesses have been processed with "zero materials"
As an important housing security system, the provident fund's use methods are becoming more flexible and diverse. It is recommended that contributing employees make reasonable plans to use provident funds based on their own needs, which can not only alleviate current economic pressure, but also preserve security for future housing needs.
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