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Bian Xiao recently saw in Wuhan Provident Fund Center that in September this year, the center released the latest "Guide to the Change of Provident Fund Loan Term". According to the Guide, borrowers of individual housing provident fund loans (including provident fund loans in portfolio loans) with a loan term of more than 1 year may apply for shortening or extending the loan term within the term of the provident fund loan contract. However, how to operate specifically? Bian Xiao, this will be detailed for everyone.
1. What are the application conditions for changing the term of provident fund loans?
1. The borrower normally repays for more than one year, has a good reputation, and has no overdue loans at the time of application;
2. After the borrower's term is changed, the new loan term (from the loan issuance date to the new loan maturity date) cannot exceed the original contract loan term, and it is agreed not to change the mortgage term.
2. Where did the term change of the provident fund loan go?
1. Provident Fund Center Sub-center;
2. The provident fund business handling outlets of the borrower's provident fund loan bank.
3. What are the procedures for changing the term of provident fund loans?
Property buyers need to bring the original and photocopy of their ID cards and go to the handling place mentioned in the second point of Bian Xiao in person. When you arrive at the processing site, you need to:
1. Calculate the change of loan term. Calculate the change of loan term according to the new loan term or monthly repayment amount determined by the borrower, and the calculation results are for reference;
2. Handle the loan term change business. The borrower applies for term change, fills in the Application Form for Term Change of Housing Provident Fund Loan, handles the term change of loan, and signs the Confirmation Letter for Term Change of Housing Provident Fund Loan.
4. What is the standard of loan interest rate after the change of provident fund loan term?
This is probably the most concerned issue for the majority of property buyers. According to the guide:
1. When the borrower shortens the loan term (from the loan issuance date to the new loan maturity date) from more than 5 years to less than 5 years (including 5 years) or extends it from less than 5 years (including 5 years) to more than 5 years, the remaining loan will bear interest according to the interest rate standard for provident fund loans of the same grade published by the People's Bank of China on the date of term change, and the interest received on the loan will not be refunded.
2. If the term of the same interest rate grade changes, the interest rate implementation standard of the borrower's remaining loan will not be adjusted.
Five, provident fund loan term change business processing time limit
The borrower can apply for the loan term change business once a year, but it should be noted that the loan term change business cannot be handled in 1 month every year.
(The above answers were published on 20 16-09- 16. Please refer to the actual situation for the current purchase policy. )
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