The calculation standard for the refund of guarantee service fee for provident fund loans is as follows:
(1) Refund before loan: If the loan applicant who has paid the guarantee service fee no longer needs the guarantee provided by the guarantee center before the loan contract comes into effect, the remaining guarantee fee paid by the loan applicant will be refunded after deducting the fees, and the charging standard is 200 yuan for each loan; For the loan applicant who has paid the guarantee service fee, before the loan contract comes into effect, such as loan amount and loan term, etc. If all changes occur and the guarantee center continues to guarantee, the guarantee center will refund all the guarantee fees paid by the loan applicant.
(two) to repay the loan in the form of prepayment, the specific calculation standard is:
A. Calculation standard for refund of borrowers who have issued loans before February 4, 2004 (inclusive).
Repayable guarantee fee for provident fund loans =6× loan amount × monthly repayment amount per ten thousand yuan × remaining years × (remaining years+1)× guarantee rate (1‰);
Guarantee fee payable for commercial loans =6× loan amount × monthly repayment amount per ten thousand yuan × remaining years × (remaining years+1)× guarantee rate (1‰) × 82%;
If the guarantee period exceeds 3 months, it shall be calculated as a whole year. If the balance of the paid guarantee service fee after deducting the refundable guarantee service fee calculated according to the formula is less than that of 300 yuan, it will be refunded after deducting 300 yuan.
B. Calculation standard of refund for early repayment of loans by borrowers after February 5, 2004 (inclusive).
Refundable guarantee fee = actually paid guarantee service fee-guarantee service fee corresponding to the actual guarantee period.
If the guarantee period exceeds 3 months, it shall be calculated as a whole year. Among them, if the balance of the paid guarantee service fee of the provident fund loan is less than 500 yuan after deducting the refundable guarantee service fee calculated according to the formula, it will be refunded after deducting 500 yuan; If the balance of the paid guarantee service fee for commercial loans after deducting the refundable guarantee service fee calculated according to the formula is less than 1600 yuan, it will be refunded after deducting 1600 yuan.
(3) Refund method with high credit rating: 2% of the paid guarantee service fee will be refunded to the loan applicant with credit rating AA; For loan applicants with AAA credit rating, 5% of the paid guarantee service fee will be refunded.
(The above answers were published on 20 13-05-02. Please refer to the actual situation for the current purchase policy. )
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