Can the precursor housing provident fund be taken out?
After withdrawing from military housing, it will be paid according to the accumulated amount of individual housing subsidies and housing provident fund accounts. After the expiration of service, the total amount of housing allowance and provident fund is about 0.6 million yuan for corporal/kloc-0, 27,000 yuan for sergeant, 43,000 yuan for staff sergeant and 60,000 yuan for fourth-class master sergeant. The specific amount varies according to personal rank and salary level. Specific to the standards of the year.
Process of transferring commercial loans to provident fund loans
1, submit information
First of all, make clear the relevant matters, and after confirming that you meet the conditions for transferring to public business, submit relevant materials, fill in the application form for transferring to public business, and accept the bank's audit. In order to avoid trouble, it is necessary to confirm the required information in advance, ensure the authenticity of the submitted information, and wait patiently for review.
2. Loan review
When the materials submitted by the lender who submitted the application are approved, they will receive a notice from the bank, interview the bank staff, review and print the applicant's personal credit report. At the same time, they will also make a pre-loan trial in the provident fund system to calculate the repayment ability, loan amount, term, interest rate, repayment method and so on.
Step 3 sign a contract
For the applicants who have passed the credit investigation and loan repayment calculation, the next step is to sign a loan (mortgage) contract with the commercial loan bank and a guarantee contract with the guarantee company designated by the provident fund management center.
4. Pay the difference.
The amount of provident fund loans is less than commercial loans. Therefore, when a commercial loan is converted into a provident fund loan, the applicant must first repay the difference between the original total commercial loan and the total provident fund loan, which is equivalent to the down payment of the difference, and deposit it in the deposit account opened by the provident fund loan to settle the loan of the original commercial bank. The remaining loans owed to commercial banks will not be settled until the provident fund loan funds are released.
5. Issuance of provident fund loans
When the applicant has completed all relevant matters with the commercial bank and the guarantee company designated by the provident fund management center, he can wait for the provident fund management center to issue loan funds, which will be used to settle the remaining loans of the original commercial bank. At this time, the real estate can be released from the commercial bank and handed over to the provident fund management center.
6. Real estate mortgage and handover
This is the last and most important step. Be sure to go to the original commercial loan bank to handle the cancellation procedures of real estate mortgage and complete the mortgage registration procedures of provident fund loans. At this point, the mortgage of real estate and the conversion from commercial loans to public loans have been completed, and all that remains is to repay on time with the repayment method and repayment amount of provident fund loans every month.