Repayment method of provident fund
1, one-time repayment method
Withdraw the balance of the housing provident fund account from the entrusted bank once a year, repay the loan principal in one lump sum, 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
The method of directly withdrawing and repaying 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 When the amount of the withdrawn provident fund is insufficient, the client shall make up the repayment amount in time.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.
Extended data:
Provident Fund loan process
1, loan applicant consultation
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.
2. Preliminary review and evaluation
The loan applicant should go to the loan handling department for preliminary examination and relevant evaluation.
(1) The loan applicant holds the application materials for housing provident fund loans and goes to the loan handling department for the preliminary examination of provident fund loans.
(2) If it is necessary to conduct personal credit evaluation on the loan applicant according to the regulations, the loan applicant shall sign the Letter of Authorization for Credit Evaluation under the supervision of the staff of the loan handling department.
(3) The staff of the loan handling department prints relevant documents to inform the loan applicant how to handle the next procedure.
(4) If the house purchased by the loan applicant needs to be evaluated according to the regulations, the staff of the loan handling department will also issue a notice of mortgage evaluation to the loan applicant, and the loan applicant or entrusted agent will apply for mortgage evaluation at the evaluation institution designated by the Beijing Housing Provident Fund Management Center.
3. The loan applicant waits for the phone call.
(1) The staff of the loan handling department shall review the loan materials provided by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.
(2) If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid.
4. The loan applicant signs relevant contracts.
(1) According to the interview time notified by telephone, the loan applicant shall go through the signing formalities with the materials required for the housing provident fund loan interview at the loan handling department. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.
② Under the guidance of the staff of the loan handling department, the loan applicant and * * * complete the signing procedures of the loan contract and other relevant contract documents together with the applicant, the mortgagor and the pledger.
Verb (abbreviation for verb) bank loan
After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.
Second, the provident fund storage conditions
1, when the company changes or terminates, it is impossible to handle the transfer procedures of employee housing provident fund accounts.
2. The employee's contract expires, has not been renewed or dissolved during the contract period, and has not worked in other units.
3. The employee resigns or is dismissed or removed from the company, and is not employed by other companies.
4. The employee is sentenced to reeducation through labor.
5. The employee and the unit agree to keep the social security relationship, except that I voluntarily continue to pay through the original unit.
6. After the employee enters the re-employment center, the original unit has been closed or stopped production.
7. Employees who leave without pay will continue to pay through the original unit voluntarily.
8. If the wage income of employees is interrupted due to other circumstances, the housing provident fund account shall be sealed upon my application.
Baidu encyclopedia-provident fund loan
Baidu Encyclopedia-Storage of Provident Fund