Remember to repay the loan on time. After the provident fund loan arrives, the bank will send a text message to inform the lender of the loan information. The lender only needs to repay the loan on time according to the requirements of SMS. For example, if the text message says "... the first deduction date is before 10 next month ...", the borrower needs to deposit the arrears into the bank account before 10 every month. It has nothing to do with the loan issuance date. Please refer to the content of the message.
Need to remind a few points:
1. In case of holidays, the deduction date will be postponed.
2. Before the deduction date, deposit all the arrears into the bank card, whether it is a provident fund loan or a portfolio loan.
3. Pay attention to the balance in check card regularly to ensure that the balance is sufficient for repayment and prevent overdue.
2. What steps do you need to sign the housing provident fund loan? Now the loan review has been completed.
Usually I need to sign the application form when I accept the loan. After the loan is approved, the accepting unit will inform you in person, and then go to the bank to sign, and then you can lend money!
Three, provident fund loan process and the required information and processing time.
The process of the provident fund loan is as follows: (1) Proof of the deposit place of the housing provident fund of the applicant and spouse; (2) the identity certificate of the applicant and his spouse (referring to the valid residence certificate such as resident identity card and household registration book), marital status and other documents; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral, pledge, certificate of ownership, certificate of consent of some dispossessed persons to mortgage and pledge, and certificate of collateral valuation made by some relevant departments; (six) other information required by the provident fund.
Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. One of the husband and wife has applied for a housing provident fund loan, and neither of them can obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
Four, housing provident fund loans need what steps?
1. The borrower can submit a written loan application and related materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval; 2. The borrower approved by the housing provident fund management department signs a loan contract and a guarantee contract with the loan bank, and handles mortgage registration, insurance, notarization and other related procedures; 3. According to the loan contract, the loan bank will transfer the loan to the special account for house sales set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank; 4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract; 5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.