1. Normal repayment: The borrower entrusts the loan bank to withhold and remit the loan principal and interest by means of savings card, passbook, etc. When the borrower entrusts the loan bank to withhold the monthly repayment of the loan principal and interest through the savings card and passbook, it should also entrust the provident fund center and the loan bank to withdraw the housing provident fund (including supplementary housing provident fund and monthly housing subsidy) of himself and his spouse every month after the monthly repayment of the loan principal and interest, and transfer it to the borrower's housing provident fund card bank savings account as the withholding fund for repayment of the loan principal and interest next month.
2. Prepayment: Prepayment of provident fund part of provident fund loans and portfolio loans shall be handled by district and county management departments in the provident fund center. The prepayment of the mortgage part of the portfolio loan shall be handled at the loan bank outlets.
Employees who apply for individual housing provident fund loans can apply to the district and county management departments of the provident fund center to directly use the balance of their own and their spouses' housing provident fund accounts to repay the provident fund loans in advance if the loans are not overdue at present.
For employees who have applied for portfolio loans, if the loans are not overdue at present, they can also apply at the bank counter to withdraw the balance of their own and their spouses' housing provident fund accounts and repay the mortgage part of individual housing provident fund portfolio loans in advance.
Extended data
Issue a certificate of full repayment of the loan:
Issue loan repayment certificate through personal online business platform.
1. Login: After the loan is paid off, log in to the Beijing Housing Provident Fund Network, click on the personal online business platform (Beijing Center) on the right side of the home page, read the login prompts carefully, and click "Login" on the Beijing unified identity authentication platform to enter the login page. The login mode can be "account login" or "SMS login". Just follow the page after selecting the login mode.
Tip: If you are not registered in Beijing Unified Identity Authentication Platform, please complete the registration before logging in.
2. Download and print: After logging in successfully, click "My Loan"-"Query and Print", and then click "Issue Loan Full Payment Certificate" to print the loan full payment certificate.
(two) through the government service convenience self-service terminal to issue a loan repayment certificate.
After the loan is paid off, the borrower selects the function of "purchasing a house" on the homepage of the government service convenience self-service terminal-"housing provident fund issues a certificate of full repayment of personal housing loan", and can print it after the identity authentication is successful.
(3) Issuing a loan repayment certificate through the loan business counter.
After the loan is paid off, the borrower will bring the original ID card (without face recognition) to any loan handling department to issue a certificate of full repayment of the loan during office hours.
Prepayment process of provident fund
I. Prepayment Process of Provident Fund Loan
1. The house lender applies to the municipal housing provident fund center, and after being examined by the staff of the credit department of the center, the lender goes to the bank to handle the repayment procedures.
2. The prepayment applicant settles the loan at the entrusted bank and submits the repayment statement issued by the bank to the credit department. The staff of the credit department will review and sign the opinions and affix the business seal of the credit department.
3. Early repayment requires the repayment form signed by the credit department to go to the guarantee company to handle the mortgage cancellation related procedures.
Second, is it cost-effective for the provident fund to repay the loan in advance?
Early repayment of housing provident fund should be determined according to your own situation. If you don't have better investment channels and have more spare money on hand, you can choose to repay in advance. After all, prepayment can pay a lot less interest than the original loan plan.
It is also very important that compared with the prepayment of commercial loans, there is no handling fee and penalty for prepayment of provident fund, which is equivalent to saving some extra expenses. Therefore, it is a good way to save money by using idle funds to repay the provident fund in advance. However, if repayment is made in advance, it will inevitably lead to a decrease in liquidity.
For example, some homebuyers rushed to repay all their loans within a few years. Therefore, they still need a large sum of money for house decoration after buying a house. In order to decorate, they had to go to the bank to apply for a consumer loan. On the premise of the same loan amount, the interest expense of such loans is far greater than that of provident fund loans. Therefore, we should fully consider various factors and do what we can.
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How is the flow chart of housing provident fund loan carried out?
If you handle the personal housing provident fund loan business in Shenzhen China Bank, the loan processing flow is as follows: Step 1: the applicant and the co-applicant directly make an appointment at our business outlets or online (fill in the information in the "Advance Loan Business" and make an appointment for the time and place). Step 2: Submit the application materials at our business outlets or the reception counter of the management department according to the appointment time. Step 3: Approval by the Provident Fund Center. Step 4: Sign a loan contract with a commercial bank after approval. Step 5: The bank handles the relevant loan procedures. Step 6: The bank issues loans. Step 7: The borrower receives the information and completes the business. As there are differences in individual housing provident fund loan policies and requirements in different housing provident fund management centers, please consult the provident fund loan business outlets or local authorities in detail.
The above contents are for your reference. Please refer to the actual business regulations.
Process for repayment of provident fund loans
The repayment process of the provident fund is as follows:
1. When applying for mortgage repayment, the applicant shall provide his or her spouse's ID card, household registration book or valid marriage certificate issued by the civil affairs department;
2. Applicants who have issued loans apply to the Center with the above materials, and fill in the Agreement on Annual Loan Repayment Entrusted by Housing Provident Fund;
3. The applicant applying for a new loan applies to the loan bank with the above materials and fills in the entrustment agreement;
4. The entrusted loan repayment relationship shall take effect from the month following the signing of the entrusted loan repayment agreement.
Regulations on the administration of housing provident fund
Article 26
Workers who pay housing provident fund may apply for housing provident fund loans to the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses.
The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Article 26
Workers who pay housing provident fund may apply for housing provident fund loans to the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses.
The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
How to use the housing provident fund to repay the mortgage?
Jinan citizens with provident fund loans can withdraw the balance of provident fund and repay it on a monthly basis. There are two ways to withdraw provident fund from Jinan citizens' mortgage repayment: annual withdrawal and repayment (repayment in advance by using the balance of provident fund). On July 27th, 2016, the Detailed Rules for the Administration of Housing Provident Fund Withdrawal in Jinan City added another way to withdraw the provident fund, that is, "repaying the principal and interest of the loan for purchasing self-owned housing", and the balance of the provident fund can be withdrawn on a monthly basis. Received automatically on June 5438+05 every month.
The borrower and spouse are required to provide the original and photocopy of ID card, and the original and photocopy of my current savings account; If co-borrower and his spouse have joint property rights, they should also provide a house purchase contract.
If the monthly entrusted withdrawal business is handled, the money will be automatically transferred to the personal savings account on 15 every month. After handling, you can no longer withdraw and repay the provident fund loan, but you can withdraw it every year to repay the commercial loan.
This is the end of the introduction on the flow chart of provident fund loan repayment and how to handle the repayment of housing provident fund loan. I wonder if you found the information you need from it?