The so-called "provident fund discount" means that the lender repays the mortgage according to the commercial loan interest rate, but the provident fund center will transfer the interest difference between the commercial loan and the provident fund loan to the lender's account the next month. This policy was launched in Guangdong on 20126/0/5, 2005, aiming at enabling citizens to enjoy more convenient and flexible provident fund loan channels.
Regarding the discount loan policy for provident fund, we need to pay attention to the following points:
1, the preferential policy of provident fund is not suitable for everyone, and only employees who meet the conditions of provident fund loans and corresponding bank commercial loans can apply;
2. The subsidized part is the part of the national loan benchmark interest rate, and there is no subsidy for the part that exceeds the benchmark;
3. It is only applicable to portfolio loan applications, not to pure provident fund loans and pure commercial loans;
4. The lender shall complete the relevant procedures within 15 days after submitting the application;
5. Compared with provident fund loans, the approval process of provident fund discount loans is shorter, and the lending time is similar to that of commercial loans.
Why do you want to apply for a provident fund discount loan? Under what circumstances do I need to apply for a provident fund discount loan?
If you apply for a pure provident fund loan, of course, you choose to apply for a provident fund loan, but sometimes the provident fund management Committee will be short of funds. In this case, the application for provident fund loans will be delayed, and provident fund discount loans will become the second best choice. In addition, if you want to shorten the loan approval process, you can also apply for a provident fund discount loan.
Then, what is the process of applying for a discount loan from the provident fund?
1. The lender applies to the loan bank for discount loan of provident fund and submits the required materials;
2. The bank will review the borrower's loan qualification and transfer the information to the provident fund center for further approval;
3 after the approval of the provident fund center, the loan approval opinions will be issued and the loan application will be transferred to the corresponding bank again;
4. The bank will further approve the lender's loan application;
5. After the approval of the bank, the bank signs a loan contract with the lender, and the bank issues a discount loan to the lender after completing the relevant procedures;
6. If the entrusted bank approves the discount loan that it doesn't agree with, the borrower may apply for converting it into an ordinary housing provident fund loan.
The above is Bian Xiao's knowledge about the discount loan of Guangdong Provident Fund. I hope you will gain something after reading it and have your own home as soon as possible.
(The above answers were published on 20 16-0 1-06. Please refer to the actual situation for the current purchase policy. )
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