Entrusted loan repayment is divided into two ways: entrusted monthly repayment and entrusted annual repayment. The entrusted applicant shall not apply for monthly repayment and annual repayment at the same time. Jining housing provident fund entrusted extraction owing on the loan business specific handling methods are as follows:
I. Entrusted to repay the loan every month.
Entrusted monthly repayment refers to the behavior that the borrower or * * * entrusts the provident fund center to withdraw the storage balance in his housing provident fund account with the borrower on a monthly basis to directly offset the monthly repayment principal and interest of his personal housing provident fund loan.
(1) application conditions
1. Entrust the applicant and his unit to pay the housing provident fund in full and on time for more than 1 year, and the individual housing provident fund account is in a normal state;
2. The entrusting applicant fails to provide guarantee for others' housing provident fund loans;
3. The entrusted applicant has good credit, and when applying for monthly repayment, the personal housing provident fund loan is not overdue at present;
4. When applying for monthly repayment, the total balance of the entrusted applicant's housing provident fund account should be greater than the total monthly repayment principal and interest of individual housing provident fund loans in the next six months, and the total monthly deposit amount of the entrusted applicant's housing provident fund should be greater than the current monthly repayment principal and interest;
5. Entrust the applicant to deposit and loan the housing provident fund in the same institution in the provident fund center.
(2) Transfer time
If the repayment method is fixed repayment date, the transfer time is 20th of each month (postponed in case of holidays); In case of daily repayment, the transfer time is the normal repayment date (postponed in case of holidays).
2. Entrusted annual repayment.
Entrusted annual repayment refers to the behavior that the borrower or * * * entrusts the provident fund center to withdraw the storage balance in its housing provident fund account with the borrower every year and transfer it to the designated account for repayment of individual housing provident fund loans.
(1) application conditions
1. The deposit account of the entrusted applicant's housing provident fund is in a normal state and has not provided guarantee for others' housing provident fund loans;
2. The entrusted applicant has good credit. When applying for entrusted annual loan repayment business, the individual housing provident fund loan is not overdue at present, and the accumulated overdue is no more than 3 times within 12 months before application.
(2) Transfer time
The provident fund center shall transfer funds according to the time agreed in the Agreement on Entrusted Withdrawal and Loan Repayment signed by both parties.
Third, the business application time
Entrusted loan repayment business can be applied directly when handling individual housing provident fund loans, or it can be applied during the repayment period.
Four. Business handler
(1) Entrust the applicant to bring ID cards and other related materials, apply to the provident fund center, and fill out the entrusted loan repayment application form.
(2) If the conditions for handling are met, the Provident Fund Center and the entrusted applicant shall sign the Entrusted Withdrawal Repayment Agreement to establish the entrusted withdrawal repayment relationship. The entrusted applicant who signed the Agreement on Entrusted Loan Repayment is the principal of entrusted loan repayment business.
(3) After the Agreement on Entrusted Loan Repayment comes into effect, the Provident Fund Center will transfer funds according to the agreement.
Verb (abbreviation for verb) transfer amount
After the loan repayment business is transferred by entrustment, the deposit account of the customer's housing provident fund shall retain the storage balance of not less than that of 50 yuan. Entrusted with monthly repayment, the monthly reduction is equal to the monthly repayment amount of principal and interest of individual housing provident fund loans; The entrusted loan shall be repaid annually, and the annual withdrawal amount shall not exceed the future 12 months, and the accumulated withdrawal amount shall not exceed the total principal and interest of the individual housing provident fund loan.
Sixth, the transfer order
The order of customers should be clearly defined in the entrusted loan repayment agreement. The first client, as the first person to transfer funds, transfers funds from his housing provident fund account every month to repay personal housing provident fund loans; The insufficient part shall be transferred in turn according to the customer order determined in the Entrusted Loan Repayment Agreement.
Seven. Business change
During the entrustment period, if the client's personal basic information, work unit, marital status, contact information, housing provident fund deposit and other conditions change, which affects the entrusted loan repayment business, it shall promptly go to the provident fund center to handle the formalities for the change of entrusted loan repayment. All the consequences arising from the client's failure to go through the alteration formalities in time shall be borne by the client.
Eight. Business termination
If the customer needs to terminate the entrusted loan repayment business, he shall go through the termination formalities at the provident fund center. In any of the following circumstances, the entrusted loan repayment business will be automatically terminated:
1. The principal and interest of the individual housing provident fund loan have been paid off;
2. If the repayment is entrusted on a monthly basis, the customer's housing accumulation fund has been in arrears for more than 6 months in 1 year; The total balance of the customer's housing provident fund account is lower than the monthly repayment principal and interest of the individual housing provident fund loan;
3. If the repayment is entrusted annually, the customer's housing accumulation fund will be loans overdue for more than 3 times in 1 year;
4. The client fails to perform the agreed matters in the Entrusted Repayment Agreement.
Precautions:
1. Employees with multiple housing provident fund accounts need to go through entrusted withdrawal and loan repayment procedures after the housing provident fund accounts are merged; Housing provident fund deposit account information is incomplete, and account information should be supplemented and improved.
2. During the period of entrusted loan repayment, when the client handles the business of sealing up, canceling, transferring and providing guarantee for the housing provident fund account, it shall first go through the formalities of termination of entrusted loan repayment.
3. If the loan is not paid off after the termination of the entrusted loan repayment business, the borrower shall promptly take the initiative to keep enough funds in his account for loan repayment, and continue to deduct the repayment through the loan undertaking bank.
4. After the entrusted loan repayment business is terminated, the borrower or * * * can re-apply for entrusted loan repayment business when it meets the entrusted loan repayment conditions again.
5. If the monthly or annual loan repayment business needs to be suspended due to policy reasons, the provident fund center will take the form of notice.