Previously, the provident fund could only be withdrawn once a year. Loan employees not only need the certificate issued by the unit, repayment records printed by the bank, purchase contracts, loan contracts and other audit elements, but also have to queue up at the provident fund center if they encounter the peak of provident fund withdrawal, which consumes a lot of energy. Now you only need to go through the formalities once, so you can save these complicated steps.
In addition to the changes in the withdrawal method of housing provident fund, Hangzhou Housing Provident Fund Management Center will launch the online reconciliation and SMS business system of housing provident fund next month in order to facilitate units and employees to know the deposit, withdrawal and repayment of housing provident fund in time.
The provident fund will be transferred to the loan bank account on a monthly basis and received within two days.
From August 10, employees who have borrowed from Hangzhou Provident Fund Center only need to fill in the Application Form for Monthly Transfer of Housing Provident Fund Loan Repayment in Hangzhou to register for transfer business. After the approval, they can automatically transfer the provident fund to the employee's loan bank account, and there is no need to wait in line to withdraw the provident fund. From the second month after successful registration, the center will transfer the approved withdrawal amount to the employee's loan bank account on the 20th of each month, and it will be received within two days.
Applicants who enjoy pure provident fund and portfolio loans in the first phase have 17 bank outlets to handle it.
In order to ensure the smooth development of new business, Hangzhou Provident Fund Center will be implemented in stages. The first service target is borrowers and their spouses who have applied for loans (including pure housing provident fund loans and housing provident fund portfolio loans) in Hangzhou Provident Fund Center. When the time is ripe, they will apply for repayment of pure commercial housing loans and transfer money on a monthly basis.
Among them, if the applicant is a pure housing provident fund loan, he/she will go through the registration formalities of transfer business at the designated branch of the loan bank from August this year (excluding legal holidays) (see annex), and provide the following materials: (1) Hangzhou Housing Provident Fund Loan Repayment Monthly Transfer Application Form (stamped with the official seal of the unit); (2) The original of Hangzhou Housing Provident Fund Loan Guarantee Contract; (3) The original ID card of the borrower. If the applicant is the borrower's spouse, the original and photocopy of the relationship certificate (such as marriage certificate, household registration book at the same address or relationship certificate issued by the police station) shall be provided.
If the applicant is a housing provident fund portfolio loan, the borrower himself will go through the formalities of authorization registration and transfer business registration at the designated branch of the loan bank on June 5438+065438+1 October 2 this year (excluding legal holidays), and provide the following materials: (1) Application Form for Monthly Transfer of Housing Provident Fund Loan Repayment (stamped with the official seal of the unit); (2) The original of Hangzhou Housing Provident Fund Loan Guarantee Contract; (3) The original ID card of the borrower. If the applicant is the spouse of the borrower, it shall handle the transfer business after the borrower completes the authorization registration formalities. In addition to the above materials, the original and photocopy of the relationship certificate with the borrower (such as marriage certificate, household registration book at the same address or the relationship certificate issued by the police station) should be provided when handling.
At the same time, in order to let so many employees enjoy this service as soon as possible, the center has selected 10 banks with large loans *** 17 outlets to handle this business.
If the borrower's own provident fund is not enough to repay the loan, his spouse can also apply for repayment and withdraw the monthly transfer. The transfer amount is generated in the order of registration, and the total transfer amount of funds of various natures shall not exceed the actual repayment of principal and interest by the borrower last month. As long as there is 100 yuan in the employee housing provident fund account, it can be transferred, and only 1 yuan needs to be kept in the account after the transfer, so as to ensure that the repayment pressure of employees is reduced to the maximum extent.
Then, after applying for "monthly transfer" to withdraw the provident fund, if there is still a balance, can it be withdrawn once a year? The reporter consulted the Hangzhou Provident Fund Center, and its staff said: after applying for monthly repayment of the provident fund, the method of withdrawing the provident fund once a year can no longer be used, and it can only be withdrawn if it meets the conditions for withdrawing the provident fund again. Such as buying a house again, retiring, retiring and so on.
In addition, for employees whose own provident fund contributions are insufficient, or whose total contributions with their spouses are less than the monthly repayment amount, before the monthly deduction date, check the balance of the deduction account in time to ensure that the deduction account has enough funds to repay, so as to avoid loans overdue. If loans overdue is caused by insufficient account balance, it shall be liable for breach of contract and pay overdue penalty interest.
It should be reminded that during the monthly repayment period, if the applicant's transfer account changes or the borrower's marital status changes, the transfer must be changed or terminated in time.
Both husband and wife can apply for "monthly repayment" at the same time, and the total transfer amount does not exceed the actual repayment amount of last month.
"Once a year" becomes "monthly", and buyers with tight budgets usually reduce their burden.
Previously, the provident fund was only allowed to be raised once a year. In other words, property buyers should use their own cash to repay the loan first. For ordinary families, especially low-income families, it is really a great burden to pay back the amount once a year. Now, after the loan repayment provident fund withdrawal and monthly transfer business are implemented, "annual withdrawal" has become "monthly transfer", which reduces the repayment burden for borrowers with particularly tight budgets. For example, a young couple, with a monthly income of 7,000 yuan, applied for provident fund mortgage, with a pure provident fund loan of 800,000 yuan (the current maximum loan amount for provident fund couples), and the equal principal and interest for 20 years, with a monthly repayment of nearly 4,800 yuan. The couple's monthly provident fund totals 2,500 yuan. After the couple handled the "monthly transfer", they can repay the loan of 2,300 yuan per month, and there are still more than 4,700 yuan on hand. Before, after the couple repaid the money on a monthly basis, they only had 2,200 yuan for living expenses, and the quality of life was definitely not as good as it is now.
It is understood that among Hangzhou property buyers, about 40% choose pure provident fund or provident fund portfolio loans. The industry believes that the withdrawal of provident fund from "once a year" to monthly transfer will not have much impact on the property market.
Units and individuals can check the details and annual statements of provident fund deposits over the years online.
The unit only needs to log on to the website of Hangzhou Provident Fund Center, go through the registration formalities, and go through the opening formalities at the counter of the service hall of Hangzhou Provident Fund Center with the Application Form for Registration of Unit Members of Hangzhou Housing Provident Fund Network (stamped with the official seal of the unit) and the original ID card of the manager. In the future, you can check your company's deposit information, deposit list and other information online at any time, and the funds are recorded at a glance, so you don't have to worry about whether the funds are recorded.
The company's online reconciliation also launched the annual reconciliation function. In the future, the company can print out paper statements or download statements (EXCEL format) through online reconciliation. If the reconciliation results are inconsistent or not received in time, the unit can go to the counter of Hangzhou Provident Fund Center or call 96345 for consultation.
Free SMS service for mobile phones is launched, which can check account balance, deposit and withdrawal.
From August 1, the center will remind you of the company's deposit amount, settlement time and other information in time through SMS. Employees can also get information about the changes in the amount of their provident fund and housing subsidy accounts at the first time, including account balance, deposit and withdrawal, loan issuance and deduction.
The short message service launched by the Provident Fund Center is suitable for users of China Mobile, China Unicom and China Telecom (excluding PHS), and all units and individuals can subscribe. The agent of the unit subscribes at the counter of the central office hall with the original ID card. Individuals can subscribe by sending their personal customer number to 10639000 through the online reconciliation system or directly by mobile phone. All short message services are free of all kinds of fees (including the fees required for short message services and the third-party service fees involved).
In the future, when the interest rate of housing provident fund loans is adjusted every year, a short message notice of interest rate adjustment will be sent to customers.
In addition, if you want to consult related matters, you can log on to the website of Hangzhou Housing Provident Fund Management Center. The application form for monthly transfer of housing provident fund loan repayment in Hangzhou can be downloaded from the website of the center, and can also be collected at the designated outlets of the loan bank and the service hall of Hangzhou Housing Provident Fund Management Center. Website of the Center: www.hzgjj.gov.cn, Address: 3rd Floor, Building A, Yaojiang Guangsha, Yan 'an Road 126, Tel: 96345.
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Designated institution of loan bank
1, Industrial and Commercial Bank of China:
(1) Kaiyuan Branch (No.8 Qiushi Road)
(2) Gaoxin Sub-branch (No.39 Wen 'er Road 1 West Lake International Building1Floor)
(3) Hushu Sub-branch (No.377 Hushu South Road)
(4) Business Department of Provincial Branch (No.90 Chun Qing Road 1 Building)
2. China Construction Bank:
(1) Zhongshan Sub-branch (No.297 Zhongshan North Road)
(2) Gaoxin Sub-branch (No.250 Wensan Road)
(3) Tao Qiu Branch (No.5 Chun Qing East Road)
(The above answers were published on 20 13-07-2 1. Please refer to the current actual purchase policy. )
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