Nowadays, people pay more and more attention to provident fund. Many people want to continue to apply for loans without paying off the provident fund loans. Then, can I apply for a loan if the provident fund loan has not been paid off? Here, I would like to introduce the relevant regulations to help you understand the specific loan policy of the provident fund.
According to the regulations, you can only apply for a loan after the provident fund loan is paid off. In addition, the provident fund only supports loans for the first and second suites, and does not support loans for the third suite. As a kind of non-profit loan, provident fund loan is mainly to help paid employees solve their basic housing needs, and will not become a tool for everyone to handle various loans. Therefore, after everyone's basic housing needs are met, the provident fund management center will not easily handle loans for everyone.
There are also some friends who are concerned about whether they can withdraw cash. Judging from the current situation, it is difficult to withdraw cash if the provident fund loan is not paid off. After you pay off the provident fund, you can consider withdrawing it. There are five reasons for withdrawing cash:
1, purchase, build, renovate and overhaul owner-occupied housing;
2. Retired;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
4. Go abroad to settle down;
5. Repay the principal and interest of the house purchase loan
Through the above, I will answer that the provident fund loan has not been paid off. Can you still apply for a loan? Generally speaking, it is very difficult to apply for loans and withdraw cash.
The provident fund loan has not been repaid. Can I borrow it again?
When the existing provident fund loans are not fully paid off, the provident fund can no longer be used for loans, but other forms of loans can be handled, such as mortgage loans, credit loans and secured loans. Employees can only apply for a provident fund loan at a time. If it has been paid off, you can apply again, but you must meet the conditions for applying for provident fund loans.
Legal analysis
1. Medical expenses: The medical expenses are determined according to receipts and vouchers such as medical expenses and hospitalization expenses issued by medical institutions, combined with relevant evidence such as medical records and diagnosis certificates. 2. Lost time: The lost time is determined according to the lost time and income of the victim. 3. Nursing expenses: The nursing expenses are determined according to the income of nursing staff, the number of nurses and the nursing period. 4. Transportation expenses: The transportation expenses shall be calculated according to the actual expenses incurred by the victims and their necessary accompanying personnel for medical treatment or transfer to other hospitals. 5. Hospitalization food subsidy: Hospitalization food subsidy can be determined by referring to the standard of food subsidy for ordinary staff of local state organs. 6. Nutrition fee: The nutrition fee is determined according to the disability of the victim and referring to the opinions of medical institutions. 7. Disability compensation: according to the degree or level of disability of the victim, according to the per capita disposable income of urban residents or the per capita net income of rural residents, the disability compensation is calculated for 20 years from the date of disability. However, for those over 60 years of age, the age will be reduced by one year for each additional year; Seventy-five years of age or older, calculated by five years.
legal ground
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Can I borrow again if the provident fund loan has not been paid off?
Can I borrow again if the provident fund loan has not been paid off? 1. Before the provident fund loan is paid off, the lender and the guarantor shall not withdraw the provident fund.
In accordance with the relevant laws and regulations, if employees have applied for housing provident fund loans or provided housing provident fund loan guarantees for others, they may not withdraw housing provident fund until the principal and interest of the loan are paid off or the balance of the principal and interest of the provident fund is lower than the amount owed.
Provident fund loans are low-interest loans with provident fund as the source of funds. The foundation of provident fund management is the safety of funds. Therefore, provident fund loans put the safe recovery of loans in the first place. The above rules are effective ways to avoid loan risks as much as possible and ensure the safety of funds. When the lender and guarantor are unable to repay the loan principal and interest, they can use the balance of their provident fund to offset their loan principal and interest.
Two, workers pay off the loan principal and interest in one lump sum, you can withdraw the provident fund, the withdrawal amount shall not exceed the loan principal and interest balance.
When the employee pays off the loan principal and interest in one lump sum, the loan risk disappears with the end of creditor's rights and debts. After the safety of funds is guaranteed, employees should be allowed to withdraw the provident fund to repay the loan, because housing loan is also an important form of housing consumption for employees, which meets the extraction conditions of relevant laws and regulations. What needs to be emphasized here is that only housing loans allow employees to withdraw provident fund when they pay off the loan in one lump sum, while other loans such as building houses and overhauling self-occupied housing loans are not allowed to withdraw provident fund to repay the loan principal and interest.
At the time of withdrawal, employees should provide the following supporting materials: the original ID card; If the spouse's housing provident fund is withdrawn, the original marriage certificate and spouse's ID card shall be provided; To withdraw the housing provident fund on behalf of the client, the original identity cards of the client and the client shall be provided; The repayment certificate issued by the loan bank.
The specific processing steps are as follows:
Step 1: The employee goes to the unit or provident fund with the repayment letter issued by the loan bank.
The information desk of the center receives and fills in the application form and the application form, which is stamped with the official seal of the unit and the seal reserved by the bank after the preliminary examination by the unit;
Step 2: The applicant takes the application form, application form and repayment voucher audited and sealed by the company to the acceptance business hall (window 7) of the provident fund center for review, and finally to the drawing review (window 8) for preliminary review, and then to the loan window (window 4) for approval;
Step 3: After the provident fund center approves the withdrawal, the applicant will withdraw the housing provident fund by transfer to the entrusted bank.
Can I still get a commercial loan if the provident fund loan is not paid off?
Provident fund loans that have not been paid off can be used as commercial loans. For families who own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they can apply for commercial personal housing loans again to purchase ordinary self-occupied housing. The minimum down payment ratio is adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
Article 4 of the Trial Measures for the Administration of Personal Housing Guaranteed Loans
The object of bank loans is a natural person with full capacity for civil conduct, and meets the following conditions:
1. Have permanent residence or valid residence status in cities and towns;
Two, with a stable occupation and income, good credit, the ability to repay the loan principal and interest;
Three, with the purchase of housing contracts or agreements;
Four, in commercial banks and housing savings banks to open a savings account or deposit housing provident fund, the deposit balance of the amount required for the purchase of housing shall not be less than 30%, and as a down payment for the purchase;
Five, there are assets recognized by the loan bank as collateral or pledge, or units or individuals with sufficient compensation ability as guarantors to repay the loan principal and interest and bear joint and several liabilities;
6. Other conditions stipulated by the lending bank.