Does the state manage the provident fund or the municipal provident fund? What are the differences when buying a house?

Anyone who pays the provident fund will move the provident fund when buying a house. But it was not until it was used that it was discovered that the provident fund was also managed by the city and the state. Do you know the difference between the two? Today's guide to buying a house will explain it to you.

I don't know when I started, but I joined the army of looking for a house everywhere. I just walked around and wanted to buy a house with cheap price and convenient transportation. Today, I suddenly remembered a joke I heard in college. At that time, my senior sister said: the first thing in college should be to buy a house; After graduating from college four years later, the first thing to do is to sell this suite, and then wait for the bonus. At that time, I just listened to it as a joke. Even if I wanted to start my own business after going to college, I didn't set my goal on the file. But now I think about it, why did I just treat it as a joke? ~ You know I've been waiting for you to come back ~

Alas, we can't expect house prices to fall, but we can only think of provident fund, but the provident fund is also managed by the state and the city. Although I don't understand it very well, who is afraid of who in the internet age, go ~

The national management and municipal management of provident fund not only have different names, but also have different meanings. To sum up, there are four main differences:

1, different management companies.

But this is just a general situation, not very absolute. Generally speaking, according to national management and municipal management, you can distinguish whether your unit is a central state organ, a state-owned enterprise or a local state organ and a general enterprise or institution. Basically, the provident fund of national civil servants is managed by the state, the provident fund of civil servants in local provinces and cities is managed by the city, and the provident fund of ordinary enterprises and institutions is also managed by the city. Most state-owned enterprises are state-owned.

2. The repayment methods are different.

The different repayment methods directly affect the interest of repayment and how tight our belts should be. City provident fund is a free repayment method; State management is divided into two repayment methods: average capital and equal principal and interest;

3. Different credit ratings.

This is a matter that directly affects your loan amount. The municipal provident fund has a personal credit rating, while the state-run provident fund has no credit rating. The advantage of credit rating is that it can increase the loan amount.

4. The approval time is different.

This needs no explanation. Everyone knows the time. City provident fund approval time is short, up to 7 working days; The examination and approval time of state-managed provident fund is long, generally not exceeding 20 working days.

5. Can it be used across regions?

This is actually very important, but, uh ... it is still very practical. The state-managed provident fund can be used across regions. For example, the Ministry of Railways is a unit directly under the Ministry of Railways, and their employees' provident fund can be used across regions. However, enterprises cannot choose between state-managed and directly managed provident funds, which depends on the nature of the unit. City management provident fund can only be enjoyed in the place where the provident fund is paid.

Speaking of this, some people may ask, how to judge whether it is state-owned or municipal? In addition to asking company personnel, there are two ways to distinguish. I think someone said it before, so I'll repeat it today.

1, differentiated by deposit account number.

Under normal circumstances, the deposit account number of the state-managed provident fund starts with "502" or "5 12"; The municipal provident fund starts with the ID number and ends with "00".

2, the difference between files

When handling provident fund loans, both buyers and sellers need to provide basic information such as ID card, household registration book and marriage certificate. Whether it is the state-managed provident fund or the municipal-managed provident fund. However, the state-run provident fund also needs to prepare the income certificate issued by the unit, and the municipal-run provident fund does not need to issue the income certificate.

(The above answers were published on 20 17-06- 15. Please refer to the current actual purchase policy. )

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