Two people's provident fund loans, one person can not be revoked halfway. Generally speaking, the provident fund loan cannot be cancelled with the repayment of the loan, because the housing loan has not been paid off, the property right is mortgaged to the bank, not the lender, and the lender has no right to change the name of the property owner or lender. After the borrower needs to raise money to pay off the loan, he will transfer the property right of the house to one party, and the party who gets the house can agree to give the other party appropriate compensation. However, under special circumstances, if two people retire with provident fund loans and completely lose their ability to work, and terminate their labor relations with the unit or settle abroad, one of them may cancel the employee housing provident fund account. Other circumstances cannot be revoked, because when the provident fund loan is made, the loan amount is calculated according to the amount of two people. Once the bank approves it, it can't quit. During the repayment period of the provident fund loan, it is not allowed to change the repayment person, but you can buy a house with the provident fund loan, but the loan amount will be reduced accordingly. Legal basis: Regulations on the Management of Housing Provident Fund. These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter referred to as units) and their employees. The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.
Two, two provident fund loans, can I cancel one person halfway?
Legal analysis: If two people retire with provident fund loans and lose their ability to work completely, and terminate their labor relations with the unit or settle abroad, one of them can cancel the employee housing provident fund account. Other circumstances cannot be revoked, because when the provident fund loan is made, the loan amount is calculated according to the amount of two people.
Legal basis: Under any of the following circumstances, the balance stored in the post can be withdrawn: (1) purchase, construction and decoration; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (6) the rent exceeds. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund shall be withdrawn from the same household. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; The storage balance in the employee housing provident fund account without inheritance relationship is included in the value-added income of housing provident fund.
Three, two people provident fund loans, one of them can be withdrawn?
Spread out completely
If the bank has approved it, it won't work.
Those who are borrowing need to pay off the loan first.
Moreover, you also handled the real estate license of the loan together. If you quit, you still have to go to the Housing Authority to downgrade your name.
4. Can the provident fund loan mortgage be revoked after completion?
After the provident fund loan is paid off, the borrower can go through the mortgage cancellation procedures according to the following steps: Step 1, after the provident fund loan is paid off normally, the bank will pay off the certificate in batch print within five working days before the next month and hand it over to the guarantee company. At that time, the guarantee company will notify the borrowers one by one to collect relevant materials. If the borrower wants to get the repayment certificate before the notice of the guarantee company, he can go to the repayment bank outlet to get it or consult. The bank's repayment acceptance point can click on the provident fund website or call the provident fund hotline. Step 2: The borrower brings relevant materials to the guarantee company to go through the formalities of canceling the guarantee, and the guarantee company issues an application for canceling the mortgage and other warrants; Step 3: The borrower goes to the property right registration window to handle the mortgage cancellation procedures with the mortgage cancellation application, other warrants, real estate licenses and ID cards. Need to be reminded that the loan repayment procedures must be handled by the main borrower or the property owner.