Handling methods of repayable loans of Beijing provident fund
The repayment of the balance of Beijing provident fund account was officially implemented on July 1 2020. Users who need to apply for loan repayment business can apply for loan repayment business simultaneously when signing a loan contract; You can also choose to handle loan repayment business at various housing provident fund business outlets in Beijing.
The balance of the Beijing Provident Fund account is not deducted every month, but has a fixed offset date, which is the repayment date stipulated in the loan contract of 65438+ every year 10 and July. Those who meet the offset conditions will be deducted directly from the borrower's housing provident fund account on the offset date. If it is a husband and wife, it will be offset from the main borrower's account first and then from the same borrower's account.
In addition, when the balance of the Beijing Provident Fund account is used to repay the mortgage, there are strict restrictions on the amount of hedging. The lower limit of offset is the agreed repayment amount. When the agreed repayment amount is higher than the remaining loan principal and interest, it will be offset by the remaining loan principal and interest.
The above is about the introduction of the balance of Beijing provident fund account to mortgage, hoping to help. After handling the offset business, users don't have to handle the provident fund withdrawal separately, which can still bring a lot of convenience to users. It should be noted that once the loan repayment business is handled, the borrower's original other lease purchase and withdrawal matters and agreed withdrawal business will be automatically terminated.