First of all, borrowers who use the free repayment method can make adjustments without the amount, so strictly speaking, there is no concept of "partial repayment in advance". If the borrower wants to pay off the loan in full in advance, he can pay it off in advance or not in the contract. There are two ways to pay off the loan in advance on the repayment date agreed in the contract:

(1) operate through the agreed repayment amount of 96 155;

(2) Handling through the loan business department: The borrower takes the original and photocopy of his ID card (65,438+0 copies) and the original loan contract to the loan business department to handle the maximum repayment amount of your loan that can be found in the personal loan inquiry system of relevant parties. ".B. In the case of non-contractual loans, the borrower borrows the original loan contract to the agreed repayment date of the loan business in his own capacity, and the agreed repayment date is three working days after the agreed repayment date (excluding) to three working days before the next agreed repayment date (excluding). The repayment amount under this handling method needs to be calculated and determined by the handling department at that time according to the repayment date agreed by the borrower.

2. The repayment method of equal monthly payment and average capital is adopted, and the loan banks are China Bank, Agricultural Bank and employees. The borrower applies for repayment three working days in advance. The borrower himself holds one original and one copy of his ID card and the original loan contract, and goes to the loan business department to handle the repayment method of equal monthly payment and equal principal. The loan bank is the borrower of China Construction Bank. When applying for early repayment, you should avoid the deduction period and three working days before and after. The deduction period is from 25th to the end of each month. It should be noted that when the borrower applies for prepayment, if it is in loans overdue, the loan business department can only accept it after the principal and interest of the loan and the penalty interest during the overdue period have been paid in full.

Second, what is the process of handling the real estate license for provident fund loans?

The process of using provident fund loans to handle real estate licenses is similar to that of using bank commercial loans to handle real estate licenses.

When handling the real estate license, you need to prepare:

1, 4 copies of floor plan.

2. Two complete invoices and one copy,

3. The original and photocopy of the marriage certificate of the ID card account. If you are single, you don't need a marriage certificate. You need the original and copy of the single certificate.

5. Procurement contracts,

6. Related expenses: the first maintenance fund below 90 1%, deed tax 1%, depending on the house price, the deed tax of 90- 130 is 2%, 140 and above 4%.

Third, how to apply for housing provident fund loans?

Speaking of housing provident fund loans, I believe many people still don't know the bidding process and conditions, and even don't know that housing provident fund has loans. In this regard, I have compiled the following information and related contents about how to apply for housing provident fund loans, hoping to help you in need:

I. Introduction to Housing Provident Fund Loans Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to employees who have paid housing provident fund in their own units and entrusted commercial banks to employees and retired employees who have paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing accumulation fund paid by employees and the housing accumulation fund paid for employees by the employees' units are personal savings specially used for housing consumption expenses stored by employees in accordance with regulations, which belong to individual employees. When the employee retires, the balance of principal and interest will be paid in one lump sum and returned to the employee himself. Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time. 2. How to apply for housing provident fund loans? The specific process and required materials are as follows: 1. The borrower needs to apply for a housing provident fund loan in the bank in written form, fill in the housing provident fund loan application form and truthfully provide the following information: (1) the applicant's and spouse's housing provident fund deposit certificate; (2) Proof of identity of the applicant and spouse (referring to valid residence certificates such as resident ID card and household registration book) and proof of marital status; (3) proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; (six) the provident fund center requires a third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor jointly sign a tripartite contract. (seven) other information required by the provident fund center. 2. For the loan application with complete information, the bank will accept the examination in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the approval of loans, and timely notify the bank of the approval results. 4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is mortgaged, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping. Iii. Conditions for applying for housing provident fund loans The basic conditions for applying for housing provident fund loans mainly include three aspects: the object of the loan, the purpose of the loan and the basic conditions for housing loans. 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. Those who participate in the housing provident fund system must apply for individual housing provident fund loans, and they must also meet the following conditions: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it indicates that his income is unstable and he is prone to risks after issuing loans. 3. One spouse has applied for a housing provident fund loan, and neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.

Four, how to apply for housing provident fund loans

Housing accumulation fund is a long-term housing savings fund, and its essence is a part of employees' wage income, that is, housing wages. The housing accumulation fund is based on the principle of territorial management and earmarked for special purposes. During the working period of employees, they can be used for housing consumption such as purchase, construction, large and medium-sized repair and payment of rent. Yinchuan Housing Provident Fund Management Center has clear regulations on applying for housing mortgage (entrusted) loans: loan conditions: 1. Individuals apply for loans 1, and the applicants and their units have continuously paid the housing accumulation fund for more than one year; 2. Have a house purchase contract or relevant certification materials; Self-built, rebuilt or overhauled houses must have relevant documents approved by the planning and land departments; 3. Proof of long-term stable economic income and the ability to repay the principal and interest of the loan; 4, there are more than 50% of the total value of the purchase of its own funds; 5. Agree to handle the mortgage guarantee procedures of loans and the insurance of collateral according to regulations, and the insurance period must be longer than the payment period of half a year. 2. The unit applies for a loan 1, and the unit and its employees have continuously paid the housing accumulation fund for more than one year; 2. Have independent legal person qualification and independent accounting; 3, the loan project has been included in the city's annual fixed assets purchase and construction plan; 4, the loan unit has more than 30% of the total funds for the purchase and construction of its own funds; 5. There are a certain amount of assets as collateral, and the discount of collateral shall be implemented in accordance with the provisions of the General Principles of Loans; 6. Agree to handle collateral insurance according to regulations, and the insurance period is longer than the loan period of half a year. Loan amount 1. The amount of personal loans for employees is approved to be no more than 50% of the total value of housing purchased by employees; Two, the unit to apply for a loan amount, according to the unit name housing provident fund balance of 70%. For individual units with poor living conditions, the loan amount may be appropriately relaxed. Term of loan. The term of an individual housing loan shall not exceed ten years at the longest, but the sum of the term of the individual loan plus the age of the borrower shall not exceed the statutory retirement age; Two, the unit housing loan period, according to the housing cycle, the longest not more than three years, the longest housing loan period not more than one year. Loan interest rate 1. Unit interest rate: add 1.80% spread on the basis of the stipulated provident fund deposit interest rate, and the loan term will increase by 0.54% every year; 2. Employee personal loan interest rate: on the basis of the stipulated provident fund deposit interest rate, add 1.80% spread, add 0.36% for each extension for less than five years, and add 0.54% for each extension for more than five years (including five years); Three, the unit and individual loan interest rates are adjusted accordingly with the changes in interest rates stipulated by the state. Loan procedure 1. The loan unit or individual submits a loan application to the provident fund center, and the "center" reviews the loan qualification and credit standing of the lender and signs the examination and approval opinions; Two, "center" after approval by the handling bank and the borrower signed a loan contract, responsible for the issuance of loans and recovery, and quarterly settlement.