; ? As we all know, the repayment of provident fund loans is generally deducted from the provident fund account, but some people leave their jobs after the provident fund loans, resulting in the provident fund being sealed. I wonder if the housing provident fund can still be deducted normally? Here are some precautions for repayment of provident fund loans. Let's have a look.

Housing provident fund can be sealed, can loans be deducted normally?

Provident funds are usually paid to employees by the unit. If the employee leaves his post and the labor relationship of the unit is interrupted, the unit will no longer pay the provident fund for him, and the employee's provident fund will be sealed up. After the provident fund account is sealed, there is no shortage of funds to pay again if it is unsealed, but the previous account balance still exists.

Although the provident fund account is closed, it is impossible to withdraw money from the provident fund account, but it does not affect the normal deduction of provident fund loans. Because the borrower signed a provident fund withholding and repayment agreement with the provident fund management department and the entrusted bank when handling the provident fund loan, the bank will deduct the repayment funds on time regardless of the status of the provident fund account.

However, it should be noted that there are enough remaining funds in the provident fund account to be deducted successfully. If there is a balance in the provident fund account but it is not enough to deduct the current loan amount, the bank will deduct the insufficient balance from the repayment card provided by the borrower.

In order to avoid the failure of deduction, the borrower had better check the balance of the provident fund account before the repayment date, and make up the money in the repayment card in time if the funds are insufficient. The repayment date of the provident fund loan is only deducted once. If the deduction is unsuccessful on the same day, the deduction will be made on the next day, but the repayment period is exceeded. Even if the deduction is successful, it is overdue.

The above is "housing provident fund can be sealed, can loans be deducted normally?" I hope it will help everyone.

The provident fund handled in February was closed after only one month's payment. Will it be deducted after sealing?

Does not affect deduction, transfer, transfer, etc.

After the provident fund is sealed, it will not affect the deduction, transfer and transfer. After the employee's account is sealed, they can continue to apply for housing provident fund loans, and the balance of the account can be withdrawn for the purchase of self-occupied housing. However, the requirements for withdrawing the balance of the provident fund after being sealed are different, and different cities have different regulations on withdrawing the balance of the provident fund from sealed accounts. You can apply to the seal management office to recover the seal, and the seal management office should give a written reply whether to approve the recovery within three working days. With the approval of the sealed office, the employee withdraws the balance of the housing provident fund account from the bank.

The sealing of the provident fund account refers to the interruption of the labor relationship between the unit and the employees, which leads to the interruption of the housing provident fund deposit. If the provident fund account cannot be transferred and does not meet the conditions for housing provident fund withdrawal to households, the interrupted provident fund account shall be sealed.

Can the provident fund be automatically deducted for repayment during storage?

Can continue to repay, housing provident fund account storage does not affect repayment, entrusted withdrawal normal transfer.

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