2. When the average capital or equal principal and interest are overdue, the borrower needs to deposit the overdue funds and overdue fines into the corresponding bank account. The bank will deduct the money in a unified way at an appropriate time, and the borrower does not need to do other operations. The borrower should make up the arrears as soon as possible to avoid further overdue and maintain a good credit record.
How to pay the provident fund?
1. When the unit goes through the formalities of paying back the provident fund, it needs to fill in the Book of Paying Back the Provident Fund uniformly printed by the Provident Fund Management Center. This book is used to record the details of the company's payment, including the amount paid and the reasons. The unit needs to fill in the form accurately and affix its seal.
2. In addition to the Provident Fund Repayment Book, the unit also needs to fill in the Provident Fund Repayment List uniformly printed by the Provident Fund Management Center. This is a list in duplicate. The company needs to fill in the details of overdue payments and affix the seal of the company. One copy is returned to the department manager and one copy is kept.
The specific procedures for overdue payment are as follows:
1. When the company goes through the formalities of payment, it needs to prepare the payment form of the provident fund, the detailed list of the payment of the provident fund and the transfer check with the same amount as the payment of the provident fund. Then go to the provident fund management department to go through the payment procedures. If the reasons for repaying the provident fund are not listed in the schedule, the unit also needs to provide supplementary explanations.
2. At the reception counter of the management department, the staff will review the provident fund payment, the list of provident fund payment and the transfer check provided by the unit. After the approval, the counter staff will print out a Supplementary Provident Fund Book and affix the official seal. One copy is returned to the unit manager, and the other copy is left in the management department.
For the calculation of the specific amount of provident fund personal loans, there are the following provisions:
1) Determine the loan amount according to the multiple of the balance stored in the borrower's provident fund account, and the maximum loan amount shall not exceed 15 times. If the borrower's deposit balance is less than 6,543,800 yuan, the multiple limit can be relaxed to 20 times.
2) Determine the loan amount according to the proportion of the total house price, 80% for first-hand houses and 70% for second-hand houses.
3) Determine the loan amount according to the borrower's repayment ability. The calculation formula is: borrower's salary base × specified proportion (now 50%)× 12 months× loan period.
4) The maximum loan amount shall not be exceeded. The basic housing accumulation fund is 654.38 million yuan, and the supplementary housing accumulation fund is 654.38 million yuan. The maximum loan amount does not exceed 300,000 yuan. For the case of * * * borrowers, the loan limit is calculated by each borrower separately and then added.