I. Applicant
Shaoguan city pure provident fund loans have paid the provident fund workers.
Second, the application conditions
(a) the applicant is the owner of the housing property and the spouse of the provident fund loan;
(two) the applicant has a good credit, and there is no overdue situation when applying for "loan repayment";
(3) The applicant has made a normal deposit without being frozen, cancelled or transferred to other cities.
Third, the application materials
(a) the identity cards of both husband and wife;
(2) marriage certificate.
If the house purchase contract is not submitted and scanned into the provident fund business system, the house purchase contract should also be submitted.
Fourth, the handling process
(1) The applicant who is repaying the housing provident fund loan shall go to the municipal housing provident fund management center (or each office) where the loan is handled and sign the entrustment agreement for monthly repayment of Shaoguan housing provident fund loan.
(two) the borrower who is handling the pure housing provident fund loan can sign the "Shaoguan housing provident fund loan monthly hedging repayment entrustment agreement" at the handling bank.
Applicants and their spouses need to be present to confirm and sign the loan repayment business. The amount of housing provident fund entrusted to be withdrawn each month is equal to the amount payable in the current month, which is used to repay the loan principal and interest. When the balance of the applicant's provident fund account is insufficient, it will be automatically transferred to his bank's agreed repayment account for deduction. The paid employees who have handled the loan repayment business shall not handle other withdrawal business during the loan repayment period.
Extended data:
Take Shaoguan as an example. If the housing provident fund is not enough for monthly repayment, you can apply for the provident fund to repay the loan. That is, when the balance of the applicant's provident fund account is insufficient, it will be automatically transferred to its bank's agreed repayment account for deduction.
Only one contract can be selected for entrusted annual withdrawal of provident fund and offset repayment of provident fund. To handle the contract business of "provident fund hedging repayment", the personal account of employee provident fund must retain the loan principal and interest for more than six months. Before signing the business of "Hedging Loan Repayment Provident Fund", the signing business of "Hedging Loan Repayment Provident Fund" should be handled after the outstanding part of the loan is withdrawn.
When the balance of the personal account of the borrower and spouse's provident fund is insufficient to fully repay the loan principal and interest of the current month, the system will automatically transfer it to the borrower's bank repayment account for full deduction.
Shaoguan provident fund housing management center-on the development of housing provident fund loan hedging repayment business