After the transfer of the provident fund, the lending institution deducts the handling fee.

After the agreement comes into effect, the entrusted bank will deduct the repayment amount of the lender from the designated provident fund account in the second month of repayment to offset the provident fund loan. Once the bank deducts money successfully, the provident fund management center will record the repayment of the provident fund loan applicant in time.

How to transfer provident fund money to mortgage?

Legal analysis: after the general loan is bound to the provident fund, the amount in the provident fund will be paid to the account in the bank mortgage, and the bank will deduct it from the mortgage passbook. When the amount of provident fund is insufficient, you need to replenish enough loan amount, and the insufficient part needs to be directly deposited into the mortgage passbook. To bind a bank card, you need to go to the housing provident fund service hall of the deposit place with your original valid ID card, housing provident fund card and bank debit card, or go through the binding procedures at the withdrawal service outlets of the issuing bank. Provident fund loan process: 1. The loan applicant fills in the application form; 2. The applicant submits the application materials to the Center; 3. Confirm the customer's loan qualification through the preliminary examination of the center; 4. The borrower entrusts an appraisal firm to conduct mortgage review and appraisal; 5. Fill in the loan documents; 6. Submit the custody contract and loan contract to the developer and guarantee unit for seal; 7. buy insurance; 8. Submit materials to the provident fund management center for review; 9. Send the data to the center for final review; 10, and deliver the information to the loan bank; 1 1. Store the information returned by the bank; 12. Repay on time according to the loan documents.

Legal basis: "Regulations on the Management of Housing Provident Fund" Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund: (1) Formulate and adjust specific measures for the management of housing provident fund according to relevant laws, regulations and policies, and supervise the implementation; (two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund; (three) to determine the maximum loan amount of housing provident fund; (four) approval of housing provident fund collection and use plan; (five) to consider the housing provident fund value-added income distribution plan; (six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.

How to transfer personal provident fund to loan bank card

If it is necessary to transfer the personal provident fund to the loan bank card, the employees who deposit the provident fund first should bring their valid identity documents, bank cards and other materials to the local provident fund management center for handling.

The cardholder himself associates the personal provident fund account with the bank card. After successful association, the balance of the provident fund will be automatically transferred to the bank card when the provident fund is withdrawn.

Extraction conditions:

1, purchase, construction, renovation, overhaul of self-owned housing with valid extraction vouchers;

2, retired personnel with valid proof of extraction;

3, completely lose the ability to work, and terminate the labor relationship with the unit with valid proof of extraction;

4. Settled in foreign countries, Hong Kong, Macao and Taiwan, with valid extraction certificate;

5. Proof of effective extraction for repayment of principal and interest of housing loan;

6, is included in the scope of the minimum living guarantee for urban residents in this city and pay the rent effective extraction certificate;

7. Employees who are not registered in this Municipality leave this Municipality and terminate their labor relations with their units.

First extraction:

1, patient's valid ID card;

2, the depositor's household registration book, married also need to provide a marriage certificate;

3. Original income certificates of all family members;

4. Original and photocopy of disease diagnosis certificate;

5. One original and one copy of the social security specific outpatient reply (the patient does not need to provide medical insurance);

6, hospitalization related treatment expenses vouchers, hospitalization expenses list, etc.;

7, "workers due to family emergencies or major diseases caused serious difficulties in life to extract housing provident fund declaration form" official seal of the unit;

8. If the depositor and the party concerned are immediate family members with different accounts, they shall provide the household registration certificate issued by the public security department.

Processing points:

1. For the purchase of new commercial housing, provide the property ownership certificate or the purchase contract and payment voucher filed by the real estate administrative department;

2, the purchase of second-hand housing, provide real estate administrative departments for the record of the purchase agreement or housing ownership certificate, deed tax payment certificate;

3, the construction and renovation of housing, provide the planning department of construction and renovation approval documents, payment vouchers;

4, overhaul occupied housing, provide housing safety appraisal certificate issued by a qualified institution, housing ownership certificate, project budget and payment voucher;

5. To repay the principal and interest of the housing loan, provide the purchase contract, loan contract and repayment certificate issued by the bank, which are filed by the real estate administrative department;

6. For renting self-occupied housing, provide the housing lease contract, rent invoice and family income certificate registered by the housing management department;

7, retired, provide my certificate or relevant certificates issued by the labor and personnel department;

8. If you leave the country to settle down, provide a certificate of cancellation of household registration or a certificate of leaving the country to settle down;

9. In case of death or being declared dead, the legal heir or legatee shall provide the depositor's death certificate or death declaration certificate, the identity card of the heir or legatee, the certificate of inheritance or bequest right, and the notarial certificate;

10, if enjoying the minimum living guarantee, provide the minimum living guarantee certificate issued by the civil affairs department;

1 1, in case of complete or partial loss of labor ability and termination of labor relationship with the unit, provide the labor ability appraisal certificate issued by the human resources and social security department, the unit's termination of labor contract certificate or unemployment certificate;

12. Other information and materials provided by the municipal housing provident fund management center according to relevant laws and regulations.

Can housing provident fund be transferred from one city to another to continue to be paid and loaned?

Housing provident fund can be transferred from one city to another to continue to pay and lend.

The specific steps of housing provident fund transfer procedures are as follows:

1. The employee opens a provident fund account in the collection department of the newly transferred unit and provides the account opening certificate;

2, by the redeployment of units according to the book balance of employee housing provident fund subsidiary ledger, fill in quadruplicate "housing provident fund transfer notice", sent to the collection department for provident fund transfer procedures;

3. When filling in the Notice of Housing Provident Fund Transfer, you should pay attention to the following contents: the full name of the transfer-in unit, the unit number and its collection department; The name and number of the transferred employee should be consistent with that in the remittance book of the unit; The transfer amount is the book balance of the employee account; Signature (the seal is left in the collection department).

The procedures for paying housing provident fund are as follows:

1. The unit shall remit the housing provident fund paid by the unit and withheld and remitted for the employees to the housing provident fund management center in full and on time within the prescribed time limit from the date of monthly payment of employees' wages;

2. The unit fills in the housing provident fund collection and payment book uniformly printed by the housing provident fund management center and the transfer check or cash payment book with the same amount as the housing provident fund collection and payment book;

3. If there is any change in the remittance and payment personnel of the unit, fill in the List of Changes in the Remittance and Payment of Housing Provident Fund uniformly printed by the Housing Provident Fund Management Center, and the remittance book and transfer check of housing provident fund that should be consistent with the remittance amount after the personnel change, the column of "Increase in the number of people", and the "Increase in the amount" and "Decrease in the remittance and payment book of housing provident fund are consistent with the corresponding columns in the list of changes in the remittance and payment of housing provident fund;

4. After the remittance business is confirmed, the cashier of the management department prints the Remittance Form of Housing Provident Fund for Institutions in duplicate, one of which is returned to the unit manager after being sealed, and the other is kept by the management department;

5, the unit can also handle the housing provident fund in the same year for many months.

Article 4 of the Regulations of People's Republic of China (PRC) Municipality on Housing Provident Fund Management follows the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

Can provident fund loans be converted into commercial loans?

Provident fund loans can be converted into commercial loans. Lenders need to hold relevant loan materials to the bank to be loaned to handle relevant loan procedures, and usually need to meet the following basic conditions:

(1) The borrower transferring the provident fund loan and the borrower of the commercial loan must be the same person;

(2) The original loan has been repaid normally for more than 1 year, and there is no record of overdue repayment provided by the lending bank;

(3) If the housing provident fund is withdrawn due to the purchase of housing, the housing provident fund shall be continuously and normally paid 1 year or more from the date of withdrawal;

(4) Lending must obtain the consent of the original lending bank;

In addition, it must also comply with the national and autonomous region housing provident fund individual housing loan policy.

Extended data:

Process of transferring provident fund loans to commercial loans

1, consultation accepted. If the sub-loan applicant meets the loan conditions after consultation with the original commercial loan bank, the bank staff shall guide the borrower to fill in the personal housing provident fund loan folder correctly and completely.

2. Submission of materials. Submit the relevant information stipulated by the lending institution.

3. Loan acceptance. For eligible borrowers, the entrusted bank conducts a preliminary examination before lending in the provident fund system, and determines the loan amount, term, interest rate and repayment method through consultation with the borrowers according to the preliminary examination results and repayment ability; The entrusted bank conducts the preliminary examination in the provident fund system. If the preliminary examination fails, the borrower shall be notified in time and the reasons shall be informed.