If you handle the monthly repayment business of provident fund, the loan bank will deduct a part from your provident fund account every month and then deduct it from your repayment account. You just need to deposit the difference in the repayment card every month.
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Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by local housing provident fund management centers to employees who apply for provident fund loans to purchase, build and turn over housing provident fund.
According to the regulations, the time limit of each city is different. For example, employees in Changsha can apply for the purchase, renovation and overhaul of their own houses, and the funds are insufficient.
Letter of credit clause
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. If you participate in the housing provident fund system, you must also meet the following conditions when applying for a housing provident fund personal purchase loan: that is, the time for depositing the housing provident fund is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security type", it provides financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economy and not bear other debts that may affect the housing provident fund loan. Loans to housing provident fund are risky, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Second, the provident fund is not enough to deduct the monthly payment. How to make up?
The answer is: if the provident fund is not enough to offset the monthly payment, it can be transferred to the provident fund account through commercial bank transfer to supplement the monthly payment. At present, the provident fund card has been transformed into a joint card of the provident fund and commercial banks, and it is attached to the debit card of commercial banks, which has the functions of cash deposit and withdrawal, transfer and remittance, consumption settlement, investment and wealth management. In addition to financial functions, it also has the function of provident fund business. Therefore, when the provident fund is not enough to deduct the monthly payment, it can be transferred to the provident fund account through the transfer function of commercial banks to supplement the monthly payment difference.
Third, the provident fund repayment money is not enough, how to make up the repayment?
The provident fund is not enough for the monthly payment, and the remaining monthly payment can be supplemented by the bank card balance of the user's housing loan. Users should ensure that there is enough money in the bank card for deduction, otherwise failure to repay in full within the specified time will be regarded as overdue, which will directly affect the subsequent provident fund loans and leave a bad credit record. 1. Automatic deduction of provident fund repayment 1. It is understood that the automatic deduction of provident fund refers to the provident fund account of the main lender, the provident fund account of the auxiliary lender and the repayment card. Only when the balance of any one of the three accounts is greater than or equal to the loan principal and interest can the deduction be successfully made. 2. In other words, the provident fund can be deducted automatically. As long as there is enough balance in the account, the expenses that need to be deducted can be automatically deducted every month, and there is no need to set an alarm clock to remind you of repayment every month. 3. In addition, how to repay the provident fund? Mortgage repayment of housing provident fund is to entrust the bank to withdraw funds from the balance of individual provident fund account for monthly or early repayment. Mortgage repayment can be divided into "annual mortgage" and "monthly mortgage". 4. The annual repayment method is equivalent to partial prepayment once a year, but this method gives priority to repaying the principal of provident fund loans, and the monthly repayment amount must be repaid in cash. 5. Use monthly repayment. In addition to the "monthly principal and interest payable" of provident fund loans, the "monthly principal and interest payable" of commercial loans can also be offset. Second, how much mortgage the provident fund can repay in a month is 1, and how much mortgage the provident fund can repay in a month needs specific analysis. Different cities have different quotas under different policies, so it is impossible to know exactly how much they can pay. 2. The mortgage amount that can be deducted from the provident fund depends on the base paid by the employee's work unit and the amount paid by the provident fund; 3. Users should pay attention to the fact that if you want to deduct the provident fund, you must first withdraw the provident fund or repay the loan by monthly, otherwise you can't deduct the money. 4. Since the provident fund is generally withdrawn once a year, the monthly provident fund paid by the user will be deposited in the current account and cannot be used. Every July, the Provident Fund Center will settle the current account of users, turn it into a fixed account, and then repay the loan from this account. 3. Housing accumulation fund refers to the housing accumulation fund, which refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. Housing accumulation fund (1) has the characteristics of security, and the establishment of employee housing accumulation fund system provides a guarantee for employees to solve housing problems quickly and well; (2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form mechanisms and channels for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund; (3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The unit where employees work should also pay housing provident fund for employee subsidies according to regulations. Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work shall be owned by individual employees.
Fourth, provident fund loans, wages are not enough for the month?
If an individual applies for a mortgage, the monthly payment stipulated by the lending institution is 30%-50% of the lender's monthly income, and the maximum amount cannot exceed 50% of the monthly income.
However, if the provident fund loan has the minimum requirement that the salary is not enough for the monthly payment, it can be said that it is to reduce the loan amount, lend more and lend less, and extend the repayment period as much as possible. You can also use a combination of provident fund loans and bank loans.