Handling materials:
1. Apply for prepayment;
2. The identity certificate of the borrower;
3. Repayment passbook or card;
Processing flow:
1. One-time repayment of principal and interest: the borrower provides the necessary materials-applies to the loan bank-the loan bank approves-and goes through the settlement and cancellation procedures at the loan bank.
2. Partial prepayment: the borrower provides the necessary documents-applies to the loan bank-determines the prepayment amount, the repayment method of the remaining loan, the prepayment date-the loan bank reviews-and goes through the prepayment procedures. "#" I. Partial repayment in advance
1. The prepayment and loan term remain unchanged.
Lending banks need to guide borrowers to fill in relevant agreements. If the original loan guarantee method was "mortgage+insurance" and the mortgage registration was not handled, the original insurance policy, my ID card and relevant agreements should be presented to the insurance company designated by the city center for the procedures of reducing the insured amount, and the relevant agreements finally signed should be sent to the corresponding sub-centers by the loan bank in time. 2. The borrower who chooses "mortgage+insurance" as the original loan guarantee method and has completed mortgage registration, and the borrower who chooses "non-mortgage+insurance" applies for partial repayment in advance and shortens the loan term. The loan bank needs to guide the borrower to fill in the relevant agreements, and the signed agreements will be sent to the corresponding sub-centers in time by the loan bank. 3. The original loan guarantee method "mortgage+insurance" is still within the insurance period, and the mortgage registration has not been completed. The borrower can apply for partial repayment in advance to shorten the loan period, and can directly handle it at the guarantee center.
2. Repay in full in advance.
After verifying the relevant materials, the loan bank shall go through all repayment procedures in advance.
So what is the process of prepayment?
(1) Processing flow of partial prepayment:
Prepare funds to deposit in the repayment passbook (card) and repay at the designated outlets of the entrusting bank.
(two) the full settlement process:
Prepare funds to deposit in the loan repayment passbook (card), repay at the designated outlets of the entrusting bank, go through the corresponding formalities at the housing provident fund management center, go through the relevant formalities at the guarantee company, and go through the formalities of canceling the mortgage of the real estate at the Housing Authority.
If the purchaser who has applied for provident fund loan wants to repay in advance, he can consult the local housing provident fund management center in detail and handle it according to his own situation.
You can apply for prepayment directly to the provident fund management center according to the prepayment part of your loan contract at that time, and basically you can pay off the loan directly after one year. You can also pay it back in large amounts. Refer to your own contract for details. "#" Full repayment
Note: the borrower needs to go to the housing provident fund management center and bring his ID card to the center to make an appointment. He will make an appointment for the borrower in turn according to the borrower's requirements and the banking policy of the provident fund memory card. Generally, the appointment time is short for a few days and long for no more than one month.
1. The borrower calls the hotline of the provident fund management center to check the remaining balance and make an appointment for early repayment;
2. The repayment applicant shall fill in the Application Form for Early Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center or the Application Form for Early Repayment of Part of Housing Provident Fund Loan of Housing Provident Fund Management Center, sign it and provide the required information;
3. Approved by the entrusted bank;
4, housing provident fund management center for approval;
5. The applicant goes to the bank to repay the loan principal and interest;
6. The applicant will send the prepayment form to the Housing Provident Fund Center for filing.
Partial repayment
Note: The borrower calls the hotline of the provident fund management center, enters the amount to be repaid in advance, and then goes to the center to handle it.
1. The borrower calls the provident fund management hotline, inputs the amount you intend to repay in advance according to the voice prompt and makes an appointment for repayment.
2. When applying for early repayment, the repayment person shall fill in the Application for Early Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center or the Application for Early Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, sign it and provide the required information;
3. The applicant determines the prepayment amount and prepayment date;
4. Approved by the entrusted bank;
5, housing provident fund management center for approval;
6. The applicant goes to the bank to repay part of the loan principal;
7. The applicant will send the prepayment form to the provident fund center for the record. "#" The borrower can choose to pay off all the loan principal and interest in advance or partially repay the loan principal. If the loan principal is partially repaid in advance, the borrower may voluntarily choose to shorten the loan term or reduce the monthly principal and interest payment.
If the borrower repays the loan in advance, it shall submit a written application to the loan bank five working days in advance, stating the amount of prepayment and the way of partial prepayment. For the loan principal returned in advance, the loan interest shall be charged according to the actual time occupied by the funds.
If part of the loan is repaid in advance, and the repayment method is shortened, interest will still be charged according to the term and grade interest rate agreed in the loan contract, and the monthly repayment shall not be interrupted; If the repayment method chooses to reduce the monthly repayment amount, the repayment amount shall be determined according to the recalculated monthly repayment amount. "# Bring my ID card and entrusted loan contract to the provident fund center to fill in the Application Form for Early Repayment of Housing Provident Fund Loan, and then go through the repayment procedures at the designated repayment point of the bank. If the loan is settled in advance, the borrower shall pay off the loan at the repayment point designated by the bank, and go through the settlement formalities at the provident fund center with his ID card, entrusted loan contract, settlement certificate issued by the bank and all procedures and materials generated when applying for housing provident fund loans at that time. It should be noted that: ① According to the contract, the borrower can apply for early repayment after the repayment period expires 12 months. ② In case of partial repayment, the repayment amount shall not be less than 40% of the loan balance; (3) The application form for prepayment of housing provident fund loans is time-sensitive, and the borrower can only fill it out after preparing the repayment funds. (4) Each bank has different repayment procedures, and the borrower can consult the bank to designate a repayment handling point.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!