Repayment for more than one year from the date of loan issuance.
There is no expected repayment during the repayment period.
If you want to repay the loan in advance, you need to submit a written application to the local housing provident fund management center and fill in the application form for prepayment. The provident fund management center shall make an audit opinion within 15 working days from the date of accepting the application for early loan repayment, and notify the relevant lending banks.
If you want to repay the loan in advance, you need to submit a written application to the local housing provident fund management center and fill in the application form for prepayment. The provident fund management center shall make an audit opinion within 15 working days from the date of accepting the application for early loan repayment, and notify the relevant lending banks. According to different repayment methods, prepayment can be divided into two ways: partial prepayment and full prepayment.
The process steps of repaying the mortgage in advance are as follows:
1. Make an appointment for repayment. First, the borrower needs to call the provident fund management center? Hotline to see if they meet the conditions for early repayment. 1 year is usually not allowed to prepay. If the repayment conditions are met, you need to check the balance, determine the prepayment amount and make an appointment for prepayment.
2. Fill in the repayment information. After the scheduled repayment is approved, the borrower needs to fill in the repayment application form. If it is to repay part of the loan in advance, you need to fill out the Application Form for Repaying Part of the Loan in Advance for Housing Provident Fund Loan; If you repay the loan in advance, you need to fill out the Application Form for Early Repayment of Housing Provident Fund Loan.
3. Bank approval. After submitting the repayment application, since the specific repayment matters are handled in the bank entrusted by the provident fund management center, the borrower first needs to wait for the approval of the repayment bank entrusted by the provident fund.
4. Examination and approval of provident fund. After the approval of the entrusted bank, the provident fund management center of the borrower applying for housing loan confirms the prepayment information of the lender and makes a reply to the prepayment.
5. Bank repayment. After both the bank and the provident fund management center approve the lender's application for early repayment, the borrower can prepare funds matching the repayment amount submitted at the scheduled repayment and repay his provident fund loan at the repayment bank. It should be noted that if the loan is repaid in full in advance, it is also necessary to go through the loan settlement procedures and print the loan settlement certificate.
6. Repayment is on record. After completing the prepayment, the borrower needs to bring his/her ID card, prepayment application form, repayment related certificates and other materials to the provident fund management center to handle the housing loan and file the repayment information. If all the loans are repaid in advance, the loan procedures need to be completed.
7. Repayment is completed. After completing the above procedures, the borrower's prepayment process is over. If it is to repay part of the mortgage in advance, it is necessary to repay the principal and interest on schedule according to the remaining amount of the mortgage.
To sum up, provident fund loans can be repaid in advance. However, you need to bring your own cash when you repay, and the repayment amount shall not be less than 10000 yuan each time. The main borrower carries his ID card and loan contract to the repayment bank and signs a supplementary loan contract.
Legal basis:
Regulations on the administration of housing provident fund
Article 24
Workers in any of the following circumstances, you can extract the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.