The co-repayment of provident fund loans must be qualified for provident fund loans. The co-repayers mentioned here are different from commercial loans. In fact, if your provident fund balance is multiplied by 1.5 times, you can borrow from many people. If you haven't paid the provident fund or qualified for the loan, you can only become your husband's co-payer in the commercial loan part by means of combined loan.

Second, the husband and wife provident fund combined repayment.

Both husband and wife can pay the provident fund at the same time. When husband and wife jointly apply for provident fund loans, they need to provide ID card, marriage certificate, income certificate of both parties, house purchase contract, down payment certificate, housing provident fund deposit certificate and other materials. After these materials are submitted to the provident fund center and the bank for approval, they can repay through their own accounts. It should also be noted that both husband and wife's provident fund repayment should belong to the same provident fund management center. If they don't belong to the same provident fund management center, only one party can borrow money, and the other party can withdraw the provident fund from the provident fund center for repayment. The balance of husband and wife's provident fund account cannot be deducted at the same time. When couples apply for provident fund loans, one of them is the main lender and the other is the sub-lender. For monthly repayment, the repayment amount of the current month will be deducted from the main lender's provident fund account first. If the balance of the main lender's provident fund account is less than the repayment amount of the current month, the repayment amount of the current month will be deducted from the secondary lender's provident fund account.

Third, how to withdraw the provident fund for common repayment of the provident fund?

Co-payers receive provident fund.

Shen Ge

Object:

1, employees who purchase, build, renovate or overhaul their own houses;

2. Employees who died during their service;

3, approved by the relevant departments of retired workers;

4. Employees who have moved out of the city, settled abroad and obtained the national unified recruitment postgraduate qualification;

5. Employees with principal and interest;

6, rental housing rent beyond the family.

7. Employees whose household registration is deposited in the administrative area of Fuxin, who work in Fuxin, and employees who terminate (terminate) labor (personnel) relations with the unit;

8. Workers who have completely lost their labor relations;

9. Employees whose labor (personnel) relationship is terminated due to cancellation, dissolution, bankruptcy, restructuring and other reasons;

10, employees whose family life is seriously difficult due to unexpected events.

deprive

1. When employees withdraw housing provident fund, the employer shall not default on housing provident fund for more than two months. Units for some reason to stop paying, holdover housing provident fund; Laid-off and buyout workers with work experience, except that the original unit handles the formalities of sealing individual accounts of housing provident fund for them.

2. Employees should take it out within one year after obtaining the real estate license. Workers who have withdrawn the housing provident fund for five years can withdraw it according to the prescribed procedures with relevant information. The total amount of each withdrawal by both husband and wife cannot exceed the actual purchase expenditure. Workers will pick it up within one year after renovation, renovation and overhaul. Husband's housing overhaul expenses. Depending on the situation, you can go to the site to conduct on-the-spot investigation to determine whether extraction is allowed.

3. If an employee dies or is declared dead, the employee's heir or legatee may withdraw the storage balance in the employee's housing provident fund account. If there is no heir or legatee, the storage balance in the employee's housing provident fund account will be included in the value-added income of the housing provident fund.

4, workers with housing provident fund to repay the principal and interest of owner-occupied housing loans, in the loan period, before the loan principal and interest are fully paid off, the borrower and spouse can withdraw for more than two years, and repay the loan principal and interest within two years. If the loan principal and interest are repaid in advance, the total withdrawal amount cannot exceed the prepayment amount.

After the overdue repayment of the loan principal and interest owed by the housing provident fund is sufficient, the procedures for withdrawing the provident fund shall be handled. Workers can only choose one of the ways to extract the house purchase and loan repayment, and those who have applied for the house purchase before the loan will no longer enjoy this provision. After the employee's individual housing provident fund account is sealed, it will no longer be implemented according to this regulation. Workers who have not fully paid off their housing provident fund loans cannot go through the formalities of canceling their housing provident fund accounts until the principal and interest of the housing provident fund loans are fully paid off.

5. If an employee whose labor (personnel) relationship is terminated due to cancellation, dissolution, bankruptcy, restructuring, etc. of the unit has not been re-employed for more than two years after the unit or liquidation organization sealed the account in the housing provident fund management center, resulting in difficulties in family life, he can withdraw the storage balance in the housing provident fund account and cancel the account at the same time.

Procedure:

1. If the employee meets the conditions for withdrawing the housing provident fund, he/she shall provide the corresponding certification materials, which shall be verified by the unit where he/she works, and an application form for withdrawing the housing provident fund shall be issued, with the financial reservation stamp affixed;

2, employees (or units) to extract proof and related materials, to the management center to extract the approval counter to apply for the extraction of employee housing provident fund, management center after accepting the application, within 3 working days to make a decision to approve or disapprove the extraction, not to allow the extraction of the reasons;

3. If the management center approves the withdrawal, the withdrawal amount will be directly transferred to the unit settlement account after 3 days, and the employee will receive the withdrawal receipt issued by the housing provident fund management center from the unit;

4. Workers and families who have special circumstances and are confirmed by the Housing Provident Fund Management Center to meet the conditions for withdrawal of centralized sealed accounts can withdraw directly from the center by the procedures required by the center, and the center will directly transfer their housing provident fund to the bank savings compromise.

The above is the explanation of "co-payers receive provident fund". Here, I remind you that the housing provident fund management center is authorized to deduct its housing provident fund deposits once a month or once a year to directly repay the provident fund loans, so everyone should properly handle the housing provident fund. Fourth, how to pay the provident fund together?

Both parties have provident fund loans that can be repaid together, and both husband and wife can repay the loans together, and then repay the loans with the total monthly contributions of two people.

When husband and wife jointly apply for provident fund loans, the system will first deduct from the provident fund account of the main lender, but if the deduction amount is insufficient to pay off the monthly payment, it will automatically deduct from the provident fund account of the sub-lender.

At the time of application, both parties need to provide ID cards, marriage certificates, purchase payment vouchers, income certificates of both parties, purchase contracts, down payment certificates, housing provident fund deposit certificates and other materials.