Be in Shanghai, housing accumulation fund has become people to buy the main fund source of the room, however, use medium detailed rules to housing accumulation fund, still many citizens are not understood very. The personage inside course of study points out, want to be used effectively only, housing accumulation fund can help early circle of the person that buy a house buy Fang Meng not only, and still can help save money of the person that buy a house, make buy a house more relaxed.

　　 Hang one: Borrow full specified amount to be spent enjoy interest rate advantage

With the citizen Mr Wang couple is exemple: Their work is steady, it is normal that capture puts housing accumulation fund, never had applied for any loan, the housing that plans 1.8 million yuan to purchase value of a 120 square metre, with improving living condition. Head pay predict 700 thousand yuan, application housing borrows money 1.1 million yuan, remand every months later housing loan makes an appointment with 5000 yuan. According to the idea of Mr Wang couple, the personage inside course of study offers the following proposal:

Loan of housing accumulation fund borrows money as policy sex, its most apparent characteristic is low interest rate. From at present 5 years period in light of above loan, the annual interest rate that commerce borrows money is 7.83% , and rate of annual interest of loan of housing accumulation fund is 5.22% , both differ 2.61 percent. To brushstroke 500 thousand yuan 15 years period loan of housing accumulation fund and commercial loan undertake comparative, commercial loan borrows money more than every months to pay about 718 yuan than accumulation fund, 15 many years pay interest makes an appointment with 129207 yuan. Difference of this kind of accrual still is met farther as the extension of loan time limit pull big. Accordingly, answer to borrow loan of sufficient accumulation fund as far as possible.

　　 Hang 2: Remand with accumulation fund opportunely the loan that buy a house

Loan specified amount spends the question that after deciding, can be about to consider reimbursement, how remand with accumulation fund borrow money? Where is how OK economic interest?

Mr Wang couple thought of the remaining sum in using accumulation fund account will remand above all loan, but reimbursement means has " law of reimbursement of month by month " and " one-time reimbursement law " these two kinds, should choose way of which kinds of reimbursement after all, need makes one time first quite: If choose " one-time reimbursement law " , use the remaining sum part in account of its housing accumulation fund every year to remand ahead of schedule its housing borrows money, lunar capture forehead raises hypothesis housing accumulation fund every year 13% , the time settle that wants in part of contract loan time limit only its are all housing borrows money, can reduce the interest expenses that arranges an in part.
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