The procedure of using the housing provident fund to repay the housing loan is very simple. As long as you bring the materials to the loan bank and sign the Power of Attorney for Repaying Housing Loan with Housing Provident Fund, the bank will automatically deduct the money from your housing provident fund account on a regular basis according to your entrustment requirements to repay your housing provident fund loan or commercial housing loan. Because this repayment method only needs one entrustment, it is long-term, effective, convenient, safe and assured.

There are two main ways to use housing provident fund to repay housing loans. One is a one-time repayment method, that is, the housing provident fund is withdrawn once a year to repay the loan principal, and the other is a monthly repayment method, that is, the housing provident fund is withdrawn every month to repay the loan principal and interest of the current month. The former is equivalent to repaying the loan once a year in advance, which saves interest expenses and reduces the monthly repayment amount in the future, while the latter reduces the borrower's monthly cash expenditure and reduces the financial pressure of cash flow. There is no difference between the two methods, and the borrower needs to choose according to his own situation. But no matter which way, use your housing provident fund as much as possible, so that it can continuously improve your repayment ability and facilitate your financial arrangement and repayment plan. This is actually a manifestation of improving your self-occupation ability and housing consumption level.

Second, Guiyang provident fund withdrawal and commercial loan process?

1, go to the loan bank to open a loan certificate;

2. Print the applicant's credit report on the website of China People's Bank. Note that it must be the People's Bank version, not the bank version;

3. Bring the bank certificate, credit information of the People's Bank of China and the applicant's ID card to the applicant's provident fund bank;

4. If successful, the commercial loan can be deducted from the provident fund every month.

3. What is the repayment process of housing provident fund?

First of all, answer directly.

The monthly payment process of provident fund is as follows.

Second, the specific analysis

First, after the loan, use the provident fund to repay the mortgage. The main process of repaying mortgage with provident fund after loan is as follows.

1. Prepare materials as required. If you want to withdraw the provident fund to repay the mortgage, you need to prepare the purchase contract, ID card, mortgage repayment details of the past 12 months, proof of housing registration information and bank card. There will be some differences in the repayment policies of provident funds in different places, so you can consult in advance.

2. To apply to the provident fund center, you can apply to the nearest provident fund management center. At this time, you must submit the information to the provident fund center for review. If you make relevant preparations in advance, there will generally be no problem.

3. If the applicant signs to confirm that there is no problem with the submitted materials, the provident fund center will pass the on-site audit, and after the notice is signed and confirmed, the corresponding materials will be scanned and archived.

4. After the Provident Fund Center arranges the next data archive, it means that the business of offsetting the loan repayment with the provident fund is basically completed. You can wait for the feedback from the provident fund center, or you can check the signing status yourself in official website, the provident fund center. If the contract is successful, it means that the business of repaying mortgage with provident fund has been successfully completed.

Second, when buying a house, you can also handle hedging business. When buying a house, you can find a developer to hedge the loan repayment, and then the developer's staff who specialize in docking provident fund loans will help with related business and prepare information as required.

Under normal circumstances, when handling the mortgage repayment of provident fund hedging, you need to prepare your ID card, purchase contract, detailed list of provident fund deposit and corresponding application form, just prepare the materials according to the tips of the staff, then wait for the feedback from the provident fund center and find a suitable time to go to the provident fund center for signature confirmation, which is not complicated.

However, it should be noted that if the provident fund hedging repayment business is to be handled, the status of the provident fund account is required to be normal. Some regional provident fund centers will also require the balance of the provident fund account to be at least 12 times of the monthly payment, so as to know the relevant hedging policies in advance.

After the provident fund hedges and repays the loan, we should pay attention to the change of the balance of the provident fund account in time. If it is found that the balance is not enough to repay the mortgage, the insufficient part must be filled, and the mortgage cannot be repaid within the time limit.

It is suggested that you can know your current credit situation in the "North Construction Quick Check", get rid of the bad habit of applying for a loan, and cover up your dishonesty with a new good payment record.

3. Can the consumer loan pay the down payment to repay the mortgage?

When applying for a mortgage, if you pay the down payment with consumer loan funds first and then pay it off, once the bank finds out, the mortgage is likely to be rejected.

Because the down payment of a house must be made with one's own money, once the bank finds out that it has not paid the down payment with one's own money, but has paid it with a loan, it is bound to worry that the economic life is unstable, there is not enough income to pay the down payment, and it will also think that the repayment ability is insufficient and the risk of lending is high, thus refusing to approve the loan.

Unless the bank is lucky enough not to find out, but also pays off the consumer loan and maintains a good credit, then the mortgage may still have a chance to go smoothly.

But this is not recommended. After all, the source of bank down payment on mortgage is strict.

It is best to use your own money for the down payment. If the money is not enough, you can try to borrow money from friends and relatives around you. After the down payment was paid, the mortgage was successfully approved. After that, you can return the money to your friends and relatives.

Four, how to withdraw housing provident fund loans?

With the improvement of people's living standards, many people will buy houses in big cities, and they will buy houses through loans. What is the housing provident fund by withdrawing it? On this issue, I will explain the relevant contents to you for your reference and study, hoping to help you.

First, how to withdraw housing provident fund loans?

1. If you didn't withdraw the housing provident fund when buying a house, you can withdraw the balance of the housing provident fund from your account at any time in the future. Extract materials according to purchasing.

2. If the house payment is not withdrawn at the time of purchase, the materials for calculating the deduction of the provident fund in the account at the time of loan can be provided according to the materials extracted at the time of purchase.

If you buy a house again after the third paragraph, you can withdraw the housing provident fund according to the purchase, and the withdrawal amount is the balance of the account after deducting the loan amount. Provide extraction materials according to the purchased extraction materials.

4. If you withdraw the loan, you can withdraw the amount that can be withdrawn according to the repayment of the loan in the previous year. Extract materials according to repayment.

Second, the housing provident fund extraction conditions

1, in any of the following circumstances, and can provide legal units according to the regulations, you can apply for withdrawing the storage balance in your housing provident fund account:

② Ownership of self-occupied housing;

3. Retired;

4. Completely losing the ability to work or severely disabled, which is one of the common situations, and dissolving or terminating the labor relationship with the unit;

5. Settle abroad or settle in Hong Kong, Macao and Taiwan;

6, to repay the principal and interest of the purchase of owner-occupied housing loans

7. The monthly rent of the rented house exceeds15% of the monthly salary of the family;

8, migrant workers and units to terminate (terminate) labor relations;

9. The employee dies or is declared dead;

1 Minimum living guarantee or special hardship relief treatment;

1 1, and re-employment with the unit;

12. Employees or family members have accidents due to major diseases, or serious injuries, and family life is difficult;

13. Family life is seriously difficult due to natural disasters or other emergencies.

Through the above explanation, we can understand that the withdrawal of housing provident fund should be applied to qualified departments and the staff of the departments should be audited.