Taking Beijing as an example, the local Change of Repayment Account (1) clearly stipulates that during the provident fund loan period, if the lender's repayment card (passbook) needs to be changed due to loss reporting, freezing and other reasons, the loan handling department shall handle the formalities for changing the repayment account with the following information (the repayment bank cannot change it):
1. My ID card;
2. Original and photocopy of the new repayment card (passbook);
Three. Original loan contract.
After changing the repayment account, citizens need to know the account situation in time. If there is any problem, they need to report it in time. Considering that it is impossible to handle business within the repayment date and the three working days before and after, if the loan is issued by the bank before 65438+ 10/2005, they need to avoid the 25th to the end of each month and the three working days before and after.
Extended data:
Provident fund loans can be shared by two people, but accidents often occur on the way to the loan, and it is necessary to change the lender. After all, for money-related matters, generally speaking, changing lenders needs to meet the following conditions:
Under the premise that the housing provident fund loan has not been paid off, the main lender or borrower may not withdraw the provident fund loan without special circumstances.
If it is necessary to change the borrower due to the borrower's death, divorce or other legal reasons, and the new borrower is the immediate family member or spouse of the original borrower, regardless of whether it meets the conditions for personal provident fund loans at the time of change, the new borrower can directly go through the change procedures.
Letter of credit clause
1, with urban permanent residence or other valid residence status;
2, the normal deposit of housing provident fund for more than one year, and the balance of housing provident fund account should reach the amount stipulated by Xiangfan Housing Provident Fund Management Center;
3, the purchase of self-occupied ordinary housing and can provide the purchase contract or agreement according to law;
4. The down payment accounts for not less than 30% of the total house price (including 30%, the same below), and the down payment ratio for low-income families to purchase self-occupied housing is not less than 20%;
5. Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
6. Before applying for the provident fund loan, the borrower has paid the housing provident fund normally for more than 6 months (inclusive).
References:
Baidu encyclopedia provident fund repays loans