The provident fund loan is deducted from the repayment bank card first.
The provident fund center is only responsible for reviewing provident fund loan applications, signing mortgage contracts, and lending by banks. Therefore, the bank card belongs to which bank loans and which bank repays. For provident fund hedging, the system will deduct the balance of the provident fund account to offset the monthly mortgage repayment. When the balance of the provident fund account is insufficient, the money in the repayment bank card will be deducted. Therefore, provident fund loans may be deducted through multiple channels, but the total amount of deduction will definitely be consistent with the repayment amount.
Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than 6 months, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
If the unit does not handle the registration of housing provident fund deposit for its employees or the establishment of housing provident fund accounts, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed. In violation of regulations, if the unit fails to pay or underpays the housing provident fund within the time limit, the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people for compulsory execution. Housing provident fund management committee in violation of the provisions of this Ordinance approved the use of housing provident fund plan, by the construction administrative department of the State Council in conjunction with the finance department of the State Council or by the construction administrative department of the people's government of a province or autonomous region in conjunction with the finance department at the same level, in accordance with the management authority shall be ordered to make corrections within a time limit.
"Regulations on the Administration of Housing Provident Fund" Article 19 The housing provident fund paid by individual employees shall be withheld and remitted from their wages by their units.
The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.
Where is the monthly provident fund loan deducted? How to deduct?
The monthly provident fund loan is deducted from the designated bank card or provident fund card. After the application for provident fund loan is successful, the lender can choose to debit the bank card or the provident fund card. If you want to deduct money from the provident fund account, you can apply for the provident fund hedging business. If you deduct it from the bank card, you can bind the bank card.
After handling the provident fund hedging business, the system will give priority to deducting the balance of the provident fund for repayment, and only when the balance of the provident fund is insufficient will it be deducted to the designated bank card. The provident fund loan has a main lender and a sub-lender, and the deduction from the bank card of the main lender is given priority.
Generally speaking, it is more convenient to deduct the monthly payment of provident fund loans. The borrower only needs to ensure that there are enough funds in his provident fund account or bank card before the repayment date.
Is the provident fund loan deducted from the provident fund account every month?
Provident fund loans can be deducted from the provident fund account every month, and can also be paid by users in cash or deducted from bank savings cards. According to the loan contract signed by the loan bank and the borrower, the borrower should repay the loan on a monthly basis in the month after the loan is issued, and the specific method can be chosen by the borrower.
When the balance in the housing provident fund account is greater than the required repayment amount, it will be deducted directly from the provident fund account. When the balance of the account is insufficient to deduct the repayment amount, the required repayment amount shall be deposited into the provident fund joint card. It should be noted that the deposit amount must be equal to or greater than the repayment amount of this period, and the amount of insufficient provident fund cannot be deposited.
Provident fund loan:
Users who pay the provident fund use the provident fund to apply for housing provident fund loans. All employees who pay housing provident fund can apply for individual housing provident fund loans.
Provident fund loans are only based on your salary and personal credit information. The balance in the provident fund is closely related to the loan amount. The provident fund center needs to see if you have the ability to repay. There must be interest on the loan. Provident fund loans are much cheaper than commercial loans.
Provident fund consumer loans have the lowest interest rate among credit loans. If there is no problem in other aspects, the general annualized interest rate is around 5%, and you can pay interest first. first
See how long you have paid the provident fund (have you stopped paying and changed companies). Generally speaking, you can apply for provident fund for more than 6 months in a row. Try local policies. I used to work in finance in Beijing. Take Guangzhou as an example, some banks can accept the provident fund for only three months. It would be better if the continuous time exceeds 1-2 years. Products with interest first and then interest are better than those with short deposit time.
Where is the provident fund loan deducted first?
Deduct money from the designated bank card or provident fund card.
1. After the provident fund loan application is successful, the lender can choose to debit the bank card or the provident fund card. If he wants to deduct money from the provident fund account, he can apply for the provident fund hedging business. If he wants to deduct money from the bank card, he can bind the bank card.
2. After handling the fund hedging business, the system will deduct the fund balance for repayment first, and only when the fund balance is insufficient will it be deducted to the designated bank card. The provident fund loan has a main lender and a sub-lender, and the deduction from the bank card of the main lender is given priority.
3. The provident fund loan calculator is used to calculate the monthly loan amount, the total interest to be paid and so on. Divided into three calculation methods: equal principal repayment, equal principal and interest repayment and free repayment.
4. Average capital refers to a repayment method of loans. During the repayment period, the total loan amount will be divided equally, and the principal and interest will be repaid in equal amount every month. Because the monthly debt service is fixed, the interest is getting less and less. Calculation formula of average capital loan: monthly repayment amount = (loan principal/repayment months) (principal-accumulated repaid principal) × monthly interest rate.
5. Matching principal and interest refers to a repayment method of housing loans. During the repayment period, the same amount of loans will be repaid every month. The formula for calculating the monthly repayment amount of equal principal and interest is as follows: [loan principal × monthly interest rate ×( 1 interest rate) repayment months ]=[( 1 interest rate) repayment months-1].
1. Provident fund is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. The housing provident fund paid by individual employees and the housing provident fund paid by the unit shall be stored in special accounts and owned by individual employees.
2. If you want to apply for a provident fund loan, you must first pay the provident fund in full and continuously. Units that employ employees shall go to the provident fund management center for deposit registration within 30 days from the date of employment. And with the audit documents of the provident fund management center, go to the entrusted bank to handle the establishment or transfer procedures of the employee provident fund account.