1. Provide bank withholding.

1. Generally speaking, the provident fund loan part of the portfolio loan adopts the free repayment method, and the commercial loan department. Among them, the first way to deduct the provident fund loan is that the borrower entrusts the loan bank to withhold and pay the loan principal and interest through savings cards, passbooks and other means.

2. When the borrower entrusts the loan bank to withhold the monthly repayment of the loan principal and interest through the savings card and passbook, he should also entrust the provident fund center and the loan bank to extract the housing provident fund (including supplementary housing provident fund and monthly housing subsidy) of himself and his spouse in the current month and transfer it to the borrower's housing provident fund card bank savings account as the withholding fund for repayment of the loan principal and interest in the next month.

Second, the relevant contents of provident fund loans

1. Make full use of provident fund loans: When choosing a portfolio loan to buy a house and apply for a mortgage, make full use of provident fund loans, extend the loan term as much as possible, and save the loan cost while greatly shortening the commercial loan term. Only loans. The so-called portfolio loan is also the loan mode of "commercial loan and provident fund loan", so I want to apply for this loan. The loan has been fully paid into the provident fund, and the provident fund account is still in a normal state of payment.

2. Choose the repayment method that suits you: Different repayment methods are suitable for different buyers. Buyers with portfolio loans need to choose a good repayment method before applying for mortgage. When signing a loan contract with a bank, you must first understand these repayment methods and determine the repayment method that suits you, because once the repayment party is agreed in the contract, it is generally not allowed to change during the whole loan period. Once the loan amount is determined, it cannot be changed, so the loan applicant and spouse need to reserve it.

Second, I would like to ask you how to repay the provident fund with a portfolio loan.

Monthly repayment procedure of provident fund:

When applying for "loan repayment", the following conditions shall be met:

The borrower or spouse's unit normally pays the housing provident fund in full;

The applicant has a good reputation, and the borrower is in a normal repayment state when applying for monthly repayment;

Apply for monthly repayment of loan principal and interest, the balance of housing provident fund account shall not be less than 12 times of the monthly repayment amount of housing provident fund loans;

According to the borrower's choice, the "repayment" approved by the center adopts the system automatic deduction method, and directly deducts funds from the borrower's or spouse's housing provident fund account to repay the loan principal and interest;

When the balance of the housing provident fund account of the borrower or spouse reaches the deduction limit, the system will automatically deduct the money according to the account signed with the center. The funds in the housing provident fund account of the borrower and spouse are not repaid cumulatively. After applying for "loan repayment" business, the deduction will be made according to the normal repayment date (postponed in case of holidays).

3. How to deduct the consolidated loan accumulation fund?

The provident fund portfolio loan can deposit the repayment amount into the designated debit bank card, and the bank will deduct it.

Taking Zhengzhou as an example, according to Article 4 of Instructions for Housing Provident Fund Portfolio Loans issued by Zhengzhou Housing Provident Fund Center, the loan amount, term, interest rate and repayment method.

1, loan ratio. The ratio of total loans to total house purchases shall not exceed the highest ratio of individual housing loans of commercial banks. Among them, the amount of housing provident fund loans shall not exceed the maximum amount of housing provident fund personal housing loans, and the amount of personal housing loans of commercial banks shall not be less than 50,000 yuan.

2. Term of the loan. The longest term of portfolio loans is 30 years, and the term of housing accumulation fund is the same as that of individual housing loans of commercial banks. Among them, male borrowers are not over 60 years old and female borrowers are not over 55 years old.

3. Loan interest rate. Portfolio loans are implemented according to the current housing provident fund interest rate of commercial banks and individual housing loan interest rate, and according to relevant policies. When the national interest rate is adjusted, the interest rate for the remaining term is adjusted according to the interest rate agreed in the loan contract.

4. repayment method. The borrower can choose to repay the principal and interest on a monthly basis by equal repayment or equal interest reduction. Among them, the repayment methods of commercial bank housing provident fund and individual housing loan should be consistent.

Extended data:

"Notes on Housing Provident Fund Portfolio Loans" Article 3 Application conditions for portfolio loans. To apply for portfolio loans, the following conditions shall be met at the same time:

1. The purchased property is a newly-built compliant commercial residence in Zhengzhou (excluding second-hand commercial residence), and the real estate project is a personal housing loan access project of the entrusted bank, which has been filed in the management center;

2, in line with the housing provident fund and commercial bank personal housing loan conditions;

3. I and my spouse have no outstanding personal housing loans or other large debts;

4. Agree to guarantee in the form recognized by the management center and the entrusted bank;

5. Other requirements of the management center and the entrusting bank.