Questions and answers on housing provident fund policy
Q: What are the conditions for applying for balance repayment after provident fund or portfolio loan?
Answer: Employees who apply for individual housing provident fund loans (including individual housing provident fund loans, individual housing provident fund portfolio loans and housing provident fund and Sino-German housing savings portfolio loans) in China Construction Bank and make normal repayment can apply for withdrawing the balance of their own and their spouses' housing provident fund (including supplementary housing provident fund and monthly housing subsidies) and repay individual housing provident fund (portfolio) loans in advance. If they have not repaid the principal and interest due in the current month, they can also repay the principal and interest due in the current month.
Q: What is the process of balance repayment?
Answer: The balance loan repayment business includes the following four links (each link must be handled on the same day):
(1) The borrower (spouse) applies to the bank with the application materials; (2) After verification by the bank, print the Application for Loan Repayment with Balance, which shall be signed and sealed by both parties; (3) The borrower (spouse) goes to the sub-center or management department to handle the withdrawal formalities with the Application for Loan Repayment with Balance and the application materials; (4) The borrower (spouse) goes to the bank to withdraw money for repayment.
Q: What information do I need to carry to handle the balance loan repayment business?
Answer: Borrowing employees who meet the application conditions for balance repayment should bring the following application materials to the entrusted bank for application.
(1) Borrower information:
1 "identity card"; 2 housing provident fund dragon card; (3) Recent loan repayment vouchers and mortgage loan IOUs in portfolio loans.
(2) Spouse information:
When applying for withdrawing the balance of the spouse's housing provident fund account to repay the loan, the spouse should bring:
(1) spouse's ID card; 2. Spouse housing provident fund dragon card; 3 proof of husband-wife relationship.
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