The Beijing News Yesterday, the Beijing Housing Provident Fund Management Center issued a notice to introduce a number of measures to benefit the people and facilitate the repayment of provident fund loan applicants.
In order to facilitate the repayment of loans, the withdrawal method for repayment of loans has been increased. In other words, the balance of the provident fund account can be directly used to repay the loan, and there is no need to withdraw it from the fixed account for repayment.
It is clear in the notice that since July 1 this year, the accepted individual housing loan borrowers of the housing provident fund can apply to use the funds in their housing provident fund accounts to directly repay the loans on the repayment dates agreed in the contract in June and July each year. However, for portfolio loans, the repayment business only supports offsetting individual housing loans from housing provident fund, and the repayment of commercial loans is implemented in accordance with the provisions of commercial banks.
65438+ The repayment dates of 10 and July agreed in the contract can be used to repay the loan.
Repaying the loan with provident fund means that employees who have paid in the housing provident fund loan can apply to offset the balance in the individual housing provident fund account against the principal and interest of the individual housing provident fund loan.
Similar to the agreed repayment by credit card, when using the provident fund for repayment, the borrower authorizes the housing provident fund management center to automatically deduct the deposit balance in the housing provident fund account on the agreed deduction date to offset the full repayment amount of the current loan.
In some areas where provident fund has been used to repay loans, there are two ways: one-time repayment and monthly repayment. One-time repayment means to withdraw the balance of the housing provident fund account from the entrusted bank once a year, repay the loan principal once, and recalculate the monthly repayment amount according to the remaining loan principal and repayment period after repayment. Monthly repayment refers to the method of directly withdrawing the loan principal and interest of the current month from the customer's provident fund account every month. When the amount of the withdrawn provident fund is insufficient, the client shall make up the repayment amount in time.
This time, Beijing made it clear that in order to facilitate repayment and increase repayment methods, the repayment dates stipulated in the contract are June, 5438+ 10 and July each year, and borrowers can apply to use the funds in their housing provident fund accounts to directly repay individual housing loans from the housing provident fund.
The convenience of repayment mainly lies in that this repayment method reduces the intermediate links of housing provident fund withdrawal. For example, Mr. Wang's provident fund is paid every month 10, and the 20th of each month is the repayment date of his housing provident fund loan. In the past, Mr. Wang needed to withdraw deposits from the provident fund account regularly and transfer them to the designated bank account for repayment. After increasing the loan repayment business, the money in Mr. Wang's provident fund account will automatically repay the loan and will not be transferred to his personal account.
When signing a loan contract, you can apply for repayment at the same time.
According to the relevant person in charge of Beijing Housing Provident Fund Management Center, borrowers who apply for loan repayment business from July 1 this year must establish housing provident fund accounts in the management center (excluding the Central directly under the authority Branch, the Central State Organs Branch and the Beijing Railway Branch) and meet the withdrawal conditions.
To meet the offset conditions, withdraw funds from the borrower's housing provident fund account to offset. If both the borrower and the husband meet the offset conditions, they will be offset from the main borrower's housing provident fund account first, and then offset from the borrower's housing provident fund account.
The lower limit of offset is the agreed repayment amount. When the agreed repayment amount is higher than the sum of the remaining loan principal, interest and penalty interest, or it is the last installment of the loan, it will be offset by the sum of the remaining loan principal, interest and penalty interest. RMB 65,438+00 is deposited in the Borrower's housing provident fund account. If the offset fails, the repayment amount of the current month shall be deducted in full from the repayment account reserved by the borrower according to the loan contract.
For example, on August 10, 2020, the borrower obtained a loan of10.2 million yuan. On 202110/0, the balance of the borrower's housing provident fund account was 150 10 yuan, and the agreed repayment amount was 10000 yuan. According to the repayment rules of offset loan, 65,438+05,000 yuan was offset on the same day, and the agreed repayment amount was not deducted from the borrower's reserved repayment account. However, if the balance of the borrower's housing provident fund account is 98 10 yuan, which is less than the agreed repayment amount 10000 yuan, it means that the repayment failed that day, and the agreed repayment amount 10000 yuan will be deducted from the borrower's reserved repayment account.
The relevant person in charge said that the borrower can apply for loan repayment business at the same time when signing the loan contract, or go to various business outlets in the city after the loan is issued. "It is recommended that the borrower handle it when signing the loan contract and reduce the running."
In addition, the relevant person in charge said that when signing the loan contract, the borrower should handle the loan repayment business at the same time, and there is no need to handle the house purchase withdrawal business separately, and the balance of the housing provident fund account should be used to repay the loan first. Once the loan repayment business is started, the borrower's original other lease purchase and withdrawal matters and agreed withdrawal business will automatically terminate.
Highlight 1
Lenders of Beijing Housing Provident Fund are exempt from second-hand housing appraisal fees.
The notice made it clear that in order to further reduce the burden on the borrower, the appraisal fee for the second-hand house of the housing provident fund personal housing loan issued after September 20 19 16 will no longer be borne by the borrower.
From July 1, the portfolio loan will be undertaken by the loan trustee bank, and the non-portfolio loan will be undertaken by the Beijing Housing Provident Fund Management Center, and the second-hand housing appraisal fee paid by the loan applicant will be refunded.
In the sale of houses, when a borrower applies for a second-hand house loan, it is usually evaluated by an evaluation agency designated by the bank, which is used for the bank to determine the value of property rights and confirm the loan amount. The specific charging standard of appraisal fee fluctuates according to market regulation, and in actual situation, it is generally borne by the buyers, that is, the loan applicants.
The relevant person in charge of the Beijing Housing Provident Fund Management Center explained that the loan applicant does not need to pay the second-hand housing evaluation fee, which also means that the loan applicant who buys the second-hand housing and applies for the provident fund loan does not need to go through the housing evaluation procedures by himself, but to prevent the risk of the provident fund loan, instead, it is checked internally by the loan handling department.
How to refund the second-hand housing evaluation fee? The relevant person in charge said that the loan lender will contact the loan applicant for registration and verification according to the contact information left by the loan applicant, and the loan applicant can also contact the loan lender for registration and filing.
According to its introduction, in order to facilitate the borrower, the evaluation fee of non-portfolio loan second-hand housing is returned to the repayment account of provident fund loan, and the return method of the evaluation fee of portfolio loan second-hand housing is jointly confirmed by the lender and the borrower.
At present, the charging standard for appraisal of second-hand houses with housing provident fund loans is basically around 600 yuan/piece, which is generally borne by loan applicants. After the implementation of the new measures, 600 yuan will not have to pay it again.
Highlight 2
Provident fund loans no longer need paper application forms.
According to the notice, applicants are no longer required to fill out and submit paper application forms when applying for loans and changing business. Verify the original purchase contract provided by them and save it in the electronic file. You can enter the information and sign it for confirmation. For the change application submitted through online channels such as personal online business platform, the loan acceptance department shall complete the review within 1 working day.
The relevant person in charge of the Beijing Housing Provident Fund Management Center told the reporter that after simplifying the applicant's work materials, the number of loan business documents was reduced from 25 to 16, and the number of documents requiring the borrower's signature was reduced by 6. The materials that the borrower needs to provide are reduced by 9 copies, including copies of the purchase contract and loan application form for applying for new housing loans, copies of the purchase contract and loan application form for applying for second-hand housing loans, four change application forms corresponding to the four types of loan change business, and the borrower's approval opinions on extending the loan period. , no need to submit again.
In addition, the notice also made it clear that the new application form was activated and the second-hand housing transfer agreement was cancelled; Enable audit handover table; Start a new loan contract and terminate the entrusted loan contract; Start the certificate collection contract, cancel the certificate collection agreement, and make it clear that the mortgage registration of provident fund loans for new and second-hand houses is completed by the guarantee center. Among them, the new loan contract is a four-party contract, the center is the main body of the loan contract, and the center is clearly the mortgagee of the loan (non-portfolio loan).
After the completion of loan issuance, the entrusted bank shall inform and ensure that the borrower knows the repayment information such as loan issuance date, repayment date and minimum repayment amount within 5 working days, and notify the borrower to receive the loan contract and other materials. If the borrower chooses to mail the loan, the entrusted bank shall mail the loan contract to the address provided by the borrower by express mail.
In order to strengthen the credit review, Beijing Housing Provident Fund Management Center also stressed that if the applicant is a dishonest person, his loan application will not be accepted.
Beijing News reporter Wu Jiaoying