1. Monthly repayment: refers to the transfer of funds from the provident fund account to the repayment account every month, and the bank deducts funds for repayment. If the monthly balance of the provident fund is less than the repayment amount, the insufficient part must be supplemented by its own funds in the repayment account, otherwise it will be overdue.
2. One-time loan rush: it can be divided into one-time loan rush and partial early loan rush. The former refers to using the balance of the provident fund account to offset the repayment principal and interest, or only using part of the balance to offset the repayment principal. No matter which scheme you choose, you need to ensure that there is enough money in the balance of the provident fund account. If it is not enough, it is still necessary to deduct money from the bank to make up the insufficient part of the repayment account.
1. What are the application materials for fund hedging?
1. If it is the borrower's own application, it is necessary to submit the hedging approval form, ID card and bank account stamped by the bank for repayment;
2. If the borrower and his/her spouse apply at the same time, they shall submit the bank-stamped hedging approval form, ID card, marriage certificate and repayment bank account;
3. If parents and children jointly apply, they need to submit the bank-stamped hedging approval form, ID card, repayment bank account and repayment agreement;
4, other information required by the housing provident fund management center.
Second, the handling process
1. Bring the identity documents of the borrower and * * *, and materials that can prove the relationship between * * * and the borrower (for example, couples can use marriage certificates) and other designated bank outlets for handling;
2. Need to sign a hedging loan repayment agreement;
3. After successful handling, it will take effect from next month, and repayment will be made according to the hedging method handled.
Third, the object of processing.
The handling object is the borrower and his spouse who repay the loan of Xi Housing Provident Fund Management Center.
Fourth, the required information.
1. Identity cards of the borrower and its spouse;
2. Both spouses must also provide marriage certificate or one of the following certificates: the household registration book of both spouses, the marriage certificate issued by the police station where the household registration is located, and the notarial certificate issued by the notary office.
3. Housing accumulation fund account number of the borrower and spouse;
4. The borrower's savings repayment account;
5. The loan contract shall be kept by the borrower.
Verb (abbreviation of verb) processing method
1. When applying for housing provident fund loans, you can apply for entrusted withdrawal and repayment at the same time. Approved by the housing provident fund management center, you can sign the "housing provident fund loan repayment entrustment agreement" when signing the loan contract;
2. If you have already applied for housing provident fund loans and need to repay them, you can apply for signing the "Housing Provident Fund Repayment Entrustment Agreement" at its loan bank outlets on any working day during the repayment period;
3. If you have handled the housing provident fund loan and signed the entrustment agreement for repayment of housing provident fund loan, you can sign the termination agreement for repayment of housing provident fund loan at the loan bank on any working day during the repayment period.
Six, operating procedures
If you choose to use the housing provident fund to repay the loan, according to the "Xi Housing Provident Fund Extraction Implementation Rules", customers must keep the balance of 3 times the monthly deposit amount when depositing the housing provident fund account. The operation of the loan bank is to judge whether it meets the conditions one by one based on the customer's account. The withdrawal amount of each qualified account is accumulated to form the current withdrawal amount, and only qualified accounts are operated; The repayment sequence is: first repay the default interest of overdue loans, then repay the overdue loan interest, then repay the overdue loan principal, and finally repay the current loan principal and interest. After the client signs the entrustment agreement, if the balance in the housing provident fund deposit account does not meet the requirements, the loan repayment operation will be carried out after the balance in the housing provident fund deposit account meets the requirements. Deduction time is the repayment date of each month.
In operation, the loan bank transfers the monthly repayment principal and interest from the customer's housing provident fund deposit account every month to repay the housing provident fund loan. If the amount that can be deducted from the customer's account is less than the monthly repayment amount of the principal and interest of the housing provident fund loan, the insufficient part after deduction shall be replenished to the repayment account by the borrower on a monthly basis.
If the borrower's spouse has also signed a loan repayment entrustment agreement, it shall be deducted according to the principle of deducting the borrower's housing provident fund account first, and the insufficient part shall be deducted from the borrower's spouse's housing provident fund account. After the deduction, the insufficient part shall be replenished to the repayment account by the borrower on a monthly basis.
When the borrower applies for early repayment, if the balance in the deposit account of housing provident fund meets the conditions for early repayment of loan principal and interest, it can be repaid in a positive way after approval.
Matters needing attention about intransitive verbs
1. When the borrower or the borrower's spouse needs to handle the loan repayment business, the borrower himself shall be present and sign. If there is no spouse information in the loan contract, the spouse will not be accepted to sign the loan repayment contract temporarily. Spouses can withdraw cash at the counter through the bank outlets of provident fund withdrawal business.
2. When handling the loan repayment business, if either the borrower or the spouse is unable to be present, the borrower may entrust his spouse to handle it on his behalf, and shall provide the original and photocopy of the ID cards of both parties, the original and photocopy of the marriage certificate, and the principal's power of attorney for loan repayment. After the bank checks it correctly, it shall handle it and keep a copy and power of attorney.
3. When the borrower applies for monthly repayment, he should first sign a repayment entrustment agreement, and then the bank loan officer will operate it on the repayment registration page of the post-loan management interface.
4. When the borrower applies for partial repayment or early settlement, if it is necessary to use the balance of the provident fund account to offset the loan amount, the borrower shall apply to the loan bank for early repayment and sign a loan repayment entrustment agreement. The bank operates on the loan contract change application page of the post-loan management interface, and fills in the eligible amount at the withdrawal amount of the borrower or spouse.
5. The borrower should always pay attention to the deductible balance of the provident fund account and the repayment account balance. When the deduction amount of the borrower and his spouse's provident fund account is insufficient, the balance of the repayment account should be replenished in time to ensure the normal deduction on the repayment date and prevent overdue and unnecessary losses.
legal ground
"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Twenty-sixth workers who have paid housing provident fund to buy, build, renovate or overhaul their own houses can apply for housing provident fund loans to the housing provident fund management center. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.