汆条

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我来说一下公积金的正确使用方式。<br>以<b>深圳</b>为例,公积金主要是用来购买住房贷款用的,租房建议不要动用住房公积金。<p>另外各市都有自己的公积金政策,大家可以到当地的公积金中心查询准确的政策和流程,本文仅提供思路。<p><b>1. 使用公积金贷款买房</b><br>深圳公积金贷款额度是公积金余额的14倍,家庭为单位,夫妻两人上限是90万。所以当两个人的公积金余额加起来有<b>6.43万</b>后就可以贷到上限额度了。<br>目前商贷基准年利率是5.4%,公积金是3.5%,同样贷90万,30年期,等额本息。算下来纯商贷是每月月供5054元,公积金贷款是月供4041,<b>每月少还1000块!</b><p>而且,借款数额高的是可以<b>组合贷</b>的,即部分商贷部分公积金贷款。如果暂时公积金 …

Why You Should Make a Career Jump When Others Think It’s a Mistake

<i>The MPW Insiders Network is an online community where the biggest names in business and beyond answer timely career and leadership questions. Today’s</i> …

Leadership

We Can’t Undo Globalization, but We Can Improve It

You can’t go forward by going backward. Take the current debate about trade and globalization, for instance. While the impulse to erect trade barriers is understandable given the pain experienced by workers in a range of industries and communities in recent years, it is not the way to create …

Globalization

Tim Cook Leaves Money On the Table to Kick Off Apple's 2017

Apple’s first week of 2017 wasn’t necessarily a good one.<p>Apple CEO Tim Cook arguably took the hardest hit this week. After Apple decided to pull a <i>New</i> …

App Store

中国人为什么爱吃蟹

Should the Government Pay More for Cyber Talent?

<i>A version of this post originally appeared in the Cyber Saturday edition of Data Sheet,</i> Fortune<i>’s</i> <i>daily tech newsletter.</i><p>A security engineer who goes …

Infosec

Why Every Employee Should Think Like a CEO

<i>The Entrepreneur Insiders network is an online community where the most thoughtful and influential people in America’s startup scene contribute</i> …

Team Building