Work for so long how much you pay each month fund? It is in the end what's the use? But also how to use? These problems are you clear? Fund official website: http://www.shgjj.com/ housing fund in the end is how it goes? The so-called housing fund is paid by active employees in units of long-term housing savings, the welfare state provides. In short, save some money to help you buy a house. And in addition to buy a house, renovation, rent, leave, go abroad, retirement, death and so can be extracted fund. The proportion of workers and fund units monthly pay is the same, least significant 5 % up to 12%, while the private sector is generally 8% to 12 % , that is, how much money the fund every month deducted from your wages, unit it will give how much money you pay. Buckle the more work units to the more you pay. For example, if you pay six thousand, provident fund to pay the proportion of 5 % , then, to pay their own $ 300, the unit will give you pay 300 yuan, 600 yuan a month will enter your personal provident fund account. Then the money should how to use it? The first is to purchase the loan fund, set up the original intention of the fund is that everyone can use the loan fund at the time of purchase. Its advantage is the low lending rates, commercial loan interest rate is 4. 35 % interest rate loan fund Yes 2. 75 % , and the maximum amount of the loan fund can borrow 1.2 million, if you choose the provident fund loans, also 20 years Qing, compared to commercial loans can save about 20 million. Although the low provident fund interest rate, down payment but still need to solve by yourself. And there are a couple of people did not pay off the loan fund, you will not be able to buy second homes. If you purchased goods from houses, but also do not want a loan, you can put the money in the fund all at once taken out to pay for house purchase price. If this is the case they have owned since the housing, whether it is construction or renovation, you can use the fund. Renting friends can also use the housing fund to pay the rent, but different in each city and the amount of rent extraction policy, and some need to rent invoices, while others are agreed upon extraction. In addition, there are many other hidden reserve "skills", 1 when your fund is not enough, parents can extract the provident fund to buy a house, 2 years who did not use, since when housing renovation can extract up to 100,000 yuan 3 no deposit in the city since the time of housing, pay at least three consecutive months, the fund can not withdraw the invoice 4 family members had a major illness, the doctor can use the fund 5 fund balance can be inherited as a legacy allocation 6 parts of the fund can be used to buy commercial insurance, such as Shanghai and other cities. 7 for a working city, the previous fund can be extracted. In addition, after the housing accumulation fund transfer and continuation provinces across the country, all of which will carry out off-site loans. By the time the fund unified work location to account for extraction.