After paying off the loan directly at the provident fund counter, what needs to be done is:
Step 1: Go to the Provident Fund Management Center (Fangzhuang) and issue a certificate of full repayment of the housing provident fund loan of Beijing Housing Provident Fund Management Center (hereinafter referred to as "the certificate of repayment").
The location is on the second floor of Fangzhuang Provident Fund Management Center. Ask the information desk for a "proof of repayment" and they will give you a number to go to the counter. You need the original ID card and the original provident fund loan contract (the one with orange cover). Beijing Housing Provident Fund Management Center housing provident fund loan repayment certificate in triplicate, stamped with red seal and dated separately.
The certificate can be completed in a few minutes, and then the counter will give you a description of the guarantee termination procedures of Beijing Housing Loan Guarantee Center, which means that your certificate here has not been completed, and you must continue in another place diagonally opposite Beijing.
Step 2: Give the bank a repayment certificate as a record.
When you leave Fangzhuang Provident Fund Center, you can stop at Fangzhuang's CCB Urban Construction Sub-branch (most people are this bank, if not CCB, it is the bank that gave you the loan at the beginning anyway) and give the counter a "repayment certificate" just issued by the Provident Fund Management Center (one third, and then you have two copies left) for emergencies. They will take a look at the original ID card and the provident fund loan contract, which has nothing to do with the bank.
Step 3: Go to Beijing Housing Loan Guarantee Center for guarantee termination.
Fangzhuang is the provident fund management center and Zhongguancun is the housing security center. The distance between the two brothers is really not close. You must trudge from Fangzhuang to the North Fourth Ring Road and go through the "guarantee termination procedures". The good news is that you don't have to go on the same day. Although it says within three days, it will be nothing in a few days.
The guarantee termination procedure is very simple. Call the phone number of the counter, check the information, take away the repayment certificate, issue a loan repayment confirmation, and give you an original purchase contract stored in the guarantee center. Finally, check whether there are any other debts, and you can leave.
Venue: 7th Floor, West Block, Modern Building, No.56 North Fourth Ring Road West (200m west of Dinghao Electronic Market).
Materials to be carried: ID card, marriage certificate, loan contract, repayment certificate, guarantee fee invoice issued at the beginning of provident fund loan, property right certificate (this does not apply to price-limited house owners who have not obtained property right certificate). Note: All must be originals. Processing time: Monday to Friday 9: 00-1:30, 13: 00- 16: 00.
Reminder:
1. There are many people in the guarantee center, so go as early as possible. If it is difficult to ask for leave, you can also arrange for Fangzhuang to go to Zhongguancun at noon in the morning, but you should bring both certificates when you go out.
If you want to do it yourself, if you do it for you, it seems that you have to bring a bunch of documents. It is said that there are several people registered in the real estate license, and those people must bring their own documents to the guarantee center in person. It is not clear at present.
3. The guarantee fee will not be refunded. After 2004, the guarantee fee invoice issued by the provident fund loan will not be refunded.
Only after dealing with these things can we really pay off the provident fund loan. The rest is to get a good certificate and urge developers to issue real estate licenses as soon as possible!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.