In addition to the housing provident fund paid by employees, the unit should also pay a certain amount to employees, and the interest rate of housing provident fund loans is lower than that of commercial loans. Next, I will sort out how many days it will take for the bank to print the repayment certificate after the Changzhou provident fund loan is paid off, hoping to help you!
How many days does it take for the bank to print the repayment certificate after the Changzhou provident fund loan is paid off?
After the provident fund loan is paid off normally, the bank will pay off the certificate in batch print within five working days before the next month and hand it over to the guarantee company. At that time, the guarantee company will notify the borrowers one by one to collect relevant materials.
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First, the loan application conditions:
The housing provident fund loan object shall meet the following conditions at the same time:
1, a natural person with full capacity for civil conduct at the age of 18.
2. When applying for a loan, the housing provident fund will be paid normally. It is estimated that individuals have paid the housing provident fund continuously for 6 months, and the first remittance time has reached 6 months. The first remittance is based on the date of the daily statement of funds. Leading innovative and entrepreneurial talents introduced by our city (including board secretary, chief financial officer, securities affairs representative and other professionals of listed companies with share reform) can appropriately relax the requirements for continuous deposit of provident fund.
3. I can provide valid proof materials such as purchase, construction and overhaul of self-occupied housing.
4 have a stable income, good credit and the ability to repay the principal and interest of the loan on time.
5. The guarantee shall be handled in accordance with the guarantee method recognized by the Provident Fund Center.
6. There are no outstanding housing provident fund loans.
7. Meet other conditions stipulated by the provident fund center.
Second, the loan materials
1 ID card
All borrowers are required to provide identity documents (foreigners provide passports).
2, housing provident fund savings card
If the borrower verifies that the ID card information (name and ID number) is consistent with the registration information of the central business system through the online service hall or service window of the center, the borrower may use the ID card instead of the provident fund deposit card.
3. Purchase contract
The purchase contract is legal, valid, complete and neatly bound. If there is a supplementary agreement, it shall be provided together.
4. Prepaid house payment receipt
When the borrower applies for the housing provident fund loan for the first time, the down payment ratio shall not be less than 20% of the actual house purchase price payable. If the borrower applies for a housing provident fund loan for the second time to purchase a self-occupied house, the down payment ratio shall not be less than 50% of the actual purchase price.
5. Proof of marriage relationship
(1) If the purchaser is married, apply for provident fund loans in urban areas and Wujin to provide marriage certificate or household registration certificate that can prove the marriage relationship; The provident fund loans in Jintan and Liyang provide marriage certificates.
(2) If the purchaser is unmarried, provide the household registration book;
(3) If the purchaser is divorced, provide a divorce certificate (or divorce mediation);
(4) If the purchaser is widowed, provide the spouse's death certificate and materials that can prove the marriage relationship with the deceased.
6. Loan repayment account
Provide borrower's bank debit card or current passbook.
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