According to the relevant provisions of provident fund loans, the loan deposit is paid by real estate development enterprises. The purpose of the deposit is to urge the real estate enterprises to handle the real estate license in place as soon as possible and handle the formal house ownership certificate in place. Safeguard the legitimate rights and interests of property buyers and provident fund centers. The condition for refunding the deposit is that the house ownership certificate is in place.

Extended data:

I. Reasons for solicitation

When banks issue loans, they often ask the borrowing enterprises or guarantee enterprises to provide a certain amount of deposit, ranging from 5% to 20%. This kind of deposit is generally paid into the special account opened by the enterprise (borrowing enterprise or guarantee enterprise) in the bank.

The ownership of this money belongs to the enterprise, but the enterprise cannot use it. Only when the corresponding loan is returned on time can the deposit be returned to the provider. Of course, banks sometimes pay the corresponding deposit interest at the same time.

Second, legal issues.

Pre-borrowing deposit refers to the behavior that financial institutions pre-borrow a certain amount of money from borrowers according to a certain proportion of the loan amount before issuing loans, and deduct this part of deposit from the total loan amount.

The deposit system of advance loan violates the relevant provisions of China laws. Paragraph 2 of Article 18 of China's General Rules for Loans stipulates that the borrower has the right to withdraw and use all the loans as agreed in the contract. If financial institutions implement the loan pre-deposit system, resulting in a decrease in the total amount of loans actually obtained by borrowers, which can not meet the urgent needs of borrowers for funds, it is an infringement on the legitimate rights of creditors.

Article 8 of the Announcement of the People's Bank of China on Prohibiting Illegal Interest Rate Raising clearly stipulates: "It is strictly forbidden for financial institutions to raise the deposit and loan interest rates without authorization, or to raise the deposit and loan interest rates in disguise by means of handling fees, agency fees, prize-winning deposits, loan deposits and interest reserves, as well as additional handling fees and consulting fees." Advance loan deposit is only an act of raising the loan interest rate in disguise.

At present, in some financial institutions, there is an act of collecting loan deposits in advance. Although this practice has played a certain role in ensuring the safety of funds and urging borrowers to repay, it is also very harmful, such as: violating interest rate policy and raising interest rates; Use loans to pull deposits in disguise to form derivative deposits; Increased the burden on borrowers and affected the reputation of banks; The proportion of advance loan deposits is different, and it is easy to breed illegal and corrupt behavior if it is not handled separately; It breeds the dependence psychology of loan officers and the atmosphere of not seriously implementing the "three inspections" system.

Baidu encyclopedia-loan deposit