Employees who apply for pure housing provident fund loans and portfolio loans can also repay the loans.
More than 200 provident fund banking outlets began to accept the repayment withdrawal business of pure provident fund loans and portfolio loans, including non-monthly repayment withdrawal and monthly repayment withdrawal. And temporarily do not accept direct withdrawal of housing provident fund and automatic repayment of the principal and interest of provident fund loans.
In accordance with the relevant regulations, if the loan principal and interest of the housing with ownership within the city are repaid, and the employees and their family members have only one set of housing in total, the monthly withdrawal amount shall not exceed the actual repayment amount of the employees last month. Workers and their family members have two or more houses in total, and the monthly withdrawal amount shall not exceed 60% of the amount payable in the month of application.
If the employee chooses to repay the loan monthly, it will be withdrawn once a month. If you don't choose to repay the loan on a monthly basis, you can apply for withdrawal once a year, and the monthly withdrawal amount can not exceed 12 months. The application for withdrawal shall be made within two years from the date of repayment of each loan. At the same time, the monthly withdrawal amount should be determined by the provident fund center according to the repayment data provided by the employee housing loan bank or the credit information system. Further reading of related knowledge: There are "three points for attention" in using provident fund to buy a house.
First of all, the provident fund cannot be directly used as a down payment for buying a house. If citizens want to buy a house through housing provident fund loans, they need to spend first and then withdraw, that is, pay the down payment first, and then bring their ID cards and household registration books. If you are married, you need to provide proof materials such as marriage certificate, and withdraw the storage balance in the provident fund from the local housing provident fund management center.
Second, the total amount of provident fund withdrawal cannot exceed the total house payment. For example, a citizen bought a house with a total price of 200,000 yuan with a loan, but his provident fund balance was 300,000 yuan, so he could only withdraw 200,000 yuan, and the remaining 6,543,800 yuan could not be withdrawn.
* Provident fund loans in some cities amounted to 600,000. For example, under special circumstances, Xi 'an can reach 700,000, and so can Chengdu and Guangzhou.
Third, after clearing the provident fund loan, you can use the provident fund to buy a house. Whether the provident fund loan is made before marriage or after marriage, one of the husband and wife has made a provident fund loan, which will be recorded in the provident fund center system. Before the last loan is paid off, the husband and wife can no longer use the provident fund loan to buy a second suite.