公积金作为"五险一金"中的"金" 咱打工人自然是再熟悉不过了 不少小伙伴认为 公积金只有买房才有用 其实还有许多其他用处哦 北京公积金不止可以买房 今日小编为大家带来解答 不在北京买房 北京公积金还有什么用？ 北京公积金共有14个提取事项，其中就包含：北京住房公积金缴存人在北京市行政区域内大修、翻建、自建自住住房的，可申请提取住房公积金。下文有 详细讲解。 ✅第五：公积金一直放着不取也有利息 北京公积金重要用途一览 ✅第一：贷款买房 贷款买房是北京公积金最直接的一个用途，因为公积金贷款买房利率相对商业贷款会低很多。 近期北京公积金贷款有所调整，首套房最高可贷120万元，二套房最高可贷100万元，还有部分情形可上浮额度。具体的指引，这里就不多说了，有需要的 小伙伴可以点击下方链接查看详情。 ✅第二：提取公积金支付房租 只要满足条件，公积金是可以用来支付房租的。详细的提取规定可以看后文。 ✅第三：部分项目支持直付房租 1月20日，北京住房公积金管理中心发布《关于开展提取住房公积金直付房租业务试点工作的通知》。7月15日，该试点范围进一步扩大。这一试点工作创 新推出"提取住房公积金直付房租"（以下简称"直付房租"） ...

新京报讯（记者曹晶瑞）8月18日傍晚，北京住房公积金管理中心（以下简称公积金中心）发布通知， 对受2025年汛情影响的缴存职工给予阶段性支持。 通知称，受汛情影响的缴存职工，因修缮受损自有住房造成生活困难的，可申请提取本人账户内住房公 积金余额，修缮资金额由所在乡镇政府、街道办事处等相关部门核定。 受汛情影响的缴存职工，汛情发生后自有住房暂不具备居住条件，需要租赁住房并完成租房备案的，可 申请提取住房公积金支付房屋租金，不受连续足额缴存住房公积金3个月（含）以上限制，不受本人及 配偶在北京无自有住房限制，不受月缴存额限制，每月提取限额为实际月租金。 通知明确，申请人可到住房所在地公积金中心管理部提出申请，由管理部与区乡镇政府、街道办事处、 应急部门等相关单位对接核实后，提供上述阶段性支持措施，确保支持政策精准实施。 依据通知，阶段性支持措施执行至2025年11月30日。 编辑 刘梦婕 校对 穆祥桐 ...

Core Points - Zhengzhou Housing Provident Fund Management Center has announced a notification to conduct credit authorization supplementation for existing housing provident fund loans to improve personal credit information [1] - The supplementation targets borrowers who applied for housing provident fund loans before December 21, 2023, and have not yet settled their loans, excluding those who have already completed credit supplementation [1] - Borrowers can complete the credit authorization process through the "Zhenghao Ban" app by following the system prompts [1] Summary by Category - **Credit Authorization Process** - Borrowers must log into the "Zhenghao Ban" app, navigate to the "Housing Provident Fund" section, and select "Personal Credit Authorization Inquiry" to initiate the process [1] - The final step involves submitting the information, after which a confirmation of successful signing will be displayed [1] - **Importance of Credit Authorization** - Completing the credit authorization will enhance the completeness and accuracy of personal credit records, contributing to the accumulation of a good credit history [1] - A strong credit status will create favorable conditions for borrowers to access more financial services [1] - **Call to Action** - The management center urges housing provident fund loan borrowers to prioritize and complete the credit authorization process promptly [1]

Core Points - The article discusses the requirements and regulations for applying for housing fund loans in Shenzhen, including the necessary contribution periods for different types of employees [2][5][6]. Group 1: Contribution Requirements - For company employees, a continuous contribution of 6 months is required to apply for a housing fund loan, and they must be in a normal contribution status at the time of application [2]. - For flexible employment individuals, a continuous contribution of 12 months is required, with a total contribution period of at least 36 months [2]. - If a couple applies together, one must meet the employee contribution requirement while the other meets the flexible employment requirement [2]. Group 2: Combining Contributions - Contributions made in other cities can be combined with those in Shenzhen for loan applications, provided that applicants submit proof of contributions from the other city [4][6]. - Employees who have contributed in other cities and are now contributing in Shenzhen for less than 6 months can still apply for loans by combining their contribution periods [6]. Group 3: Loan Conditions and Rates - The latest loan rates in Shenzhen are 2.1% for first-time homebuyers for loans under 5 years and 2.6% for loans over 5 years [7]. - The minimum down payment for first-time homebuyers is 20%, while for second homes, it is also 20% [7]. - The maximum loan amounts are 600,000 yuan for individuals and 1,100,000 yuan for families, with potential increases based on specific conditions [7]. Group 4: Inter-City Loan Recognition - Ten cities, including Shenzhen, have signed agreements to recognize housing fund contributions and loans across these cities, facilitating easier access to loans for employees [8]. - The agreement aims to streamline services, allowing for seamless loan applications and reducing required documentation [8]. Group 5: Additional Information - Employees can inquire about the possibility of applying for loans in their employment city if they are purchasing a home in a different city [9]. - Some cities have specific policies regarding loan applications based on the applicant's household registration status, while others do not impose such restrictions [10].

Core Insights - The city’s public housing fund management center has implemented a series of policies aimed at enhancing the living conditions of residents through increased loan limits, improved efficiency, and reduced burdens [1][2][4] Group 1: Policy Implementation - As of the end of May, the total accumulated public housing fund contributions reached 850.7 billion, with 595.67 billion withdrawn, and a remaining balance of 255.03 billion [1] - A total of 457.06 billion in public housing loans has been issued to 193,600 households, with a loan balance of 162.25 billion, stimulating housing consumption by 22.56 million square meters [1] Group 2: Loan Limits and Interest Rates - The maximum public housing loan limits for individuals and families have been raised to 700,000 and 1 million respectively, with additional increments for families with multiple children [2] - Starting from May 8, the interest rates for first-time home loans have been reduced to 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [2] - Existing public housing loan interest rates will automatically decrease starting January 1, 2026, benefiting all families with outstanding loans [2] Group 3: Service Enhancements - The introduction of a streamlined online service for public housing loans has significantly reduced processing times, with retirement-related services now taking approximately 10 minutes [3] - The "commercial to public" loan process has been optimized, with 416 cases processed since the upgrade, involving a total of 630,000 [3] Group 4: Accessibility and Convenience - The public housing fund center has expanded its service network to include six bank branches, enhancing accessibility for residents [4] - Integrated service points have been established in bank branches, allowing for comprehensive loan services, with 51 loan applications processed and 47 loans issued amounting to 18.91 million [4] - The "door-to-door" service initiative has reached 37 companies, assisting nearly 1,200 employees with policy information and support [5]

Core Viewpoint - The joint initiative by Zhengzhou and Kaifeng housing provident fund management centers aims to enhance the convenience of cross-regional services for employees, improving their overall experience in handling housing fund matters [1] Group 1: Business Scope - The released "Zhengkai Housing Provident Fund Business Handling Material List Directory" (first batch) includes 15 types of withdrawal services such as purchasing self-occupied housing, repaying housing loan principal and interest, renting self-occupied housing, and retirement withdrawals, as well as 5 types of inquiry services including personal account information inquiry and payment detail inquiry [2] Group 2: Business Processing - The handling of all business materials requires original verification and retention of copies. There are two processing methods: offline and full online processing. Most services in Zhengzhou can be processed through the "Zhenghao Ban" APP, while Kaifeng services are mainly processed via the "Kaifeng Housing Provident Fund Management Center" WeChat public account [3] Group 3: Future Developments - As the integration of Zhengzhou and Kaifeng continues, both housing provident fund management centers will optimize the handling processes and expand the range of services, with more batches of handling material lists to be released in the future [4]

Core Viewpoint - The Beijing Housing Provident Fund has set the interest rate for the 2024-2025 period at 1.5%, significantly higher than current bank deposit rates, providing a stable and attractive option for long-term savings [1][2] Group 1: Interest Rate Comparison - The interest rate for personal provident fund accounts is set at 1.5%, while the one-year bank deposit rate is around 0.95%, and the savings account rate is approximately 0.05% [1] - For a deposit of 100,000 yuan, the provident fund yields 1,500 yuan in interest annually, which is 550 yuan more than the one-year bank deposit interest and 30 times the interest from a savings account [1] Group 2: Long-term Benefits - Over a 10-year period, a provident fund account with a balance of 100,000 yuan can accumulate approximately 16,300 yuan in interest through compound interest, compared to about 15,000 yuan from a bank's one-year fixed deposit using simple interest [2] - The design of the provident fund system creates a long-term value growth opportunity, particularly beneficial for salaried workers who contribute consistently [2] Group 3: Stability of Interest Rates - The interest rate for the provident fund is directly anchored by national policy, making it less susceptible to market fluctuations, ensuring a stable interest environment for contributors [2] - In the past five years, the one-year bank deposit rate has decreased by over 46%, from 1.75% to 0.95%, while the provident fund interest rate has remained stable at 1.5% [2]

深圳公积金贷款利率下调 已经有一段时间啦！ 大家可能对贷款利率下调的内容都比较了解 但是有很多人都不知道 公司为自己公积金缴纳基数是多少 缴纳比例是多少 深圳最低/最高缴纳基数是多少？ 深圳最低/最高缴纳基比例是多少？ 小编给大家带来了 深圳目前的公积金缴纳比例、基数 以及公司缴纳比例、基数的查询方法！ 灵活就业人员公积金缴纳方法 赶紧和小编一起来看看吧！ Part 1 深圳公积金缴纳比例、缴纳基数 2、新参加工作的职工以参加工作第二个月的工资作为住房公积金缴存基数； ✅公积金缴纳比例 缴纳比例由单位确定！缴纳比例不得低于最低缴纳比例、不得高于最高缴纳比例。 公积金最高缴纳比例：12% 公积金最低缴纳比例：5% ✅公积金缴纳基数： 目前公积金缴纳基数上下限： 缴费基数上限：14553×3=43659元 缴费基数下限：我市最低工资标准2520元 实际缴纳基数： 1、住房公积金缴存基数为职工本人上一年度月平均工资。 3、新调入的职工以调入单位发放工资当月的工资作为住房公积金缴存基数。该缴存基数的适用期间为整个住房公积金年度，住房公积金年度为当年的7月 1日至次年的6月30日。 ✅灵活就业人员缴费基数：2520元~ ...