How much balance does the monthly provident fund need to leave?

Recently, a small partner talked to me and paid 3000+ into the provident fund account every month. How should I use the money? It's really hard to see the balance of the provident fund account gradually break through to 50 thousand+!

Housing provident fund, the most widely known way of use is to apply for housing loans, housing loans, mortgage repayment, rent extraction. Many people don't understand the concepts of "monthly rush" and "annual rush" when the provident fund repays the mortgage. To this end, Huige specially consulted some policies and told everyone through consulting professionals and combining examples.

Xiao Zhang is an employee of a company in City A, with a monthly income of 6000 yuan. I bought a house in May 2022, and paid back 2,000 yuan in the form of portfolio loan (65,438 yuan for provident fund and 0,400 yuan for commercial loan, totaling 400,000 yuan). At this time, the balance of the provident fund account is 3,000 yuan.

1. Select the lunar pulse.

According to the requirements of city A, the monthly collection method is selected, and the balance of the provident fund account must be 6 times of the monthly deposit, and the monthly collection should not be higher than the monthly deposit.

In view of this, the monthly provident fund account will directly transfer 2000 yuan to Xiao Zhang's loan account, and the loan bank will directly deduct this 2000 yuan from the account to offset Xiao Zhang's monthly payment. At this time, Xiao Zhang's monthly disposable income =6000 yuan (monthly income, excluding other expenses).

2. Select the year offset (assuming it will be implemented on May 22nd).

In May 2002, the balance of 36,000 yuan in the provident fund account was directly transferred to Xiao Zhang's loan account, giving priority to offsetting the principal of Xiao Zhang's provident fund loan! (After the provident fund principal is paid off, the commercial loan principal is paid off). After offset, Xiao Zhang's loan situation is as follows: the principal of provident fund loan 10000 (commercial loan 65438+ 100000). The monthly payment is as follows: provident fund loan monthly payment 1280 yuan (the principal is reduced 10000 yuan, and the monthly repayment amount is reduced). The monthly commercial loan is paid to 600 yuan, and the total monthly loan is 1880 yuan. From June 22nd, Xiao Zhang needs to deposit 1880 yuan into the loan account in advance to repay the monthly payment.

At this time, Xiao Zhang's monthly disposable income =6000- 1880=4 120 yuan.

In May 2003, during the New Year's rush, the balance of 36,000 yuan in the provident fund account was still transferred to the loan account to offset the principal of the provident fund loan. After the offset, Xiao Zhang's loan situation is as follows: the principal of provident fund loan 10000 yuan (the monthly repayment in the previous year also offset part of the principal, assuming the principal balance is 260000 yuan), and the commercial loan is 65438+ 10,000 yuan. The monthly payment is as follows: provident fund loan monthly payment 1 120 yuan (the principal decreases and the monthly repayment amount decreases). Monthly commercial loans to 600 yuan, with total monthly loans 1720 yuan. From June 23rd, Xiao Zhang needs to deposit 1720 yuan into the loan account in advance to repay the monthly payment.

At this time, Xiao Zhang's monthly disposable income =6000- 1720=4280 yuan.

From this point of view, in the case of more monthly cash flow, choosing the annual rush is getting closer and closer to getting rid of the "house slave"!

Personal suggestion: the monthly income is not high, and there are rigid expenditures such as education, life and insurance. Choosing the monthly payment method is less stressful and more suitable for saving some money, and then directly applying to the bank for early repayment. If the monthly contribution of the provident fund is high, and the monthly contribution is lower than the provident fund, and the funds on hand are relatively surplus, you can choose to repay the loan in advance by annual repayment.

Tips: Generally speaking, to buy a second home, you need to apply for a provident fund loan, and you can't have the balance of the provident fund loan under your name (that is, you need to pay off the last provident fund loan first).