1. To amortize the housing accumulation fund, you must obtain the application form and repayment record from the borrowed bank, and then prepare the following materials:
(1) Original and photocopy of provident fund card (or citizen card).
(2) Original and photocopy of ID card (both husband and wife).
(3) The original and photocopy of the marriage certificate (or the household registration books of both parties under the same household name).
(4) Original and photocopy of the house purchase contract (from cover to house price page and signature and seal page).
(5) Original and photocopy of the invoice.
(6)h 1 Application Form (given to you by the bank).
2, matters needing attention for housing provident fund amortization business:
(1) The park only recognizes provident fund books with yellow covers. If the provident fund book is green, it is recommended to bring a citizen card. At the same time, the bank card should be bound to the withdrawal account number.
(2) The park provident fund center is only a business center, which cannot be withdrawn and amortized. Withdrawal and amortization must go to major bank outlets! After the end, you must go back to the borrowing bank to submit the information before you can complete it.
(3) If your provident fund is located in Wuzhong District, Xiangcheng District and gusu district, you can amortize it at Ganjiang Road Provident Fund Management Center based on the above information, but you must go to the regional provident fund management center for withdrawal.
Extended data
1. One-time repayment method: it means to withdraw the balance of the housing provident fund account from the entrusted bank once a year, repay the loan principal once, and recalculate the monthly repayment amount according to the remaining loan principal and repayment period after repayment. After one-time repayment, the monthly repayment needs to use the customer's own funds, not the money in the provident fund account.
2. Monthly repayment method: refers to the method of directly withdrawing the loan principal and interest of the current month from the customer's provident fund account every month. When the amount of the withdrawn provident fund is insufficient, the client shall make up the repayment amount in time. This way can not only offset the principal and interest of provident fund loans, but also offset the principal and interest of commercial loans.
3. It is worth mentioning that if the customer chooses the one-time repayment method, he can't choose the monthly repayment method, but can only choose one of them. But if you want to change the repayment method in the future, customers only need to go to their own loan bank to change the repayment method.
repay the loan
1. During the loan period, the borrower repays the principal and interest of the bank loan with the same repayment amount every month.
2. The borrower can choose two ways: automatic deduction by computer or repayment by networked savings offices of loan banks, and monthly repayment of loan principal and interest;
Modification or termination of loan contract
1. If the loan contract needs to be changed, it must be agreed by the loan handling bank, the borrower and relevant parties through consultation, and a change contract shall be signed according to law.
2. If the borrower dies, is declared missing or loses capacity for civil conduct, and his successor, guardian or legatee continues to perform the loan contract signed by the borrower, he shall sign a new loan contract and go through the relevant formalities.
3. After the borrower repays all the loan principal and interest as agreed in this contract, the collateral or pledge is returned to the mortgagor or pledger, and the loan contract is terminated.
There are several ways to hedge repayment.
1, monthly hedging repayment method. After signing the hedging agreement, the Center will take the repayment date of employees as the hedging repayment date, and deduct the deposit balance in the accounts of the borrower, * * the same borrower and * * the same repayment person in turn according to the hedging repayment order in the hedging repayment agreement to offset their provident fund loans, and the amount of hedging remittance will directly offset the repayment amount and will not be transferred to the employee repayment bank card.
2. If the balance of the common reserve fund of the borrower, * * the same borrower and * * the same borrower is insufficient to hedge their monthly repayment amount, the borrower, * * the same borrower and * * the same borrower shall deposit the difference of monthly repayment amount into the borrower's repayment bank account before the repayment date to ensure normal repayment.
3. Advance partial repayment to hedge repayment. After signing the hedging agreement, the Center takes the employee's application date as the hedging repayment date. When the balance of the borrower, * * borrower and * * borrower's provident fund account is not enough to hedge the principal and interest of the provident fund loan repaid in advance, the borrower, * * borrower and * * borrower must deposit the repayment difference into the borrower's repayment balance account before the application date for prepayment to ensure the sufficient amount of hedging repayment.
4. All hedging repayment methods shall be settled in advance. After the employee signs the hedging agreement, the Center takes the employee's application date as the hedging repayment date. When the balance of the borrower, the borrower and the borrower's provident fund account is insufficient to hedge the principal and interest of the provident fund loan repaid in full in advance, the borrower, the borrower and the borrower must deposit the repayment difference into the borrower's repayment account before applying for full hedging repayment in advance, so as to ensure sufficient hedging repayment amount.