I. Prepayment Process of Chengdu Provident Fund
1. Repayment in full in advance: the loan bank shall go through the formalities of prepayment in full after reviewing relevant materials.
2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement. If the original loan guarantee method is low mortgage insurance, and the mortgage registration has not been handled, you need to go to the insurance company designated by the city center to go through the formalities of reducing the insured amount with the original policy, your ID card and relevant agreements. The final signed agreement shall be sent by the lending bank to the corresponding sub-center in time.
3. Borrowers who choose mortgage insurance as the original loan guarantee method and have completed mortgage registration and borrowers who choose non-mortgage insurance apply for partial repayment in advance and shorten the loan period: the loan bank instructs borrowers to fill in relevant agreements, and the signed agreements are sent to the corresponding sub-centers in time by the loan bank.
4. If the mortgage insurance is still in the insurance period and the mortgage registration has not been completed, the borrower can apply for partial repayment in advance to shorten the loan period, and can directly handle it at the guarantee center.
Two. The borrower returns the materials needed for the loan in advance.
1. Apply for prepayment;
2. The borrower's ID card;
3. Mortgage contract;
4. Repayment passbook or card;
5. Real estate license.
Three. Precautions for advance payment
Consider whether you can get the difference in income. Generally speaking, if you don't prepay, but invest the money originally used for prepayment, it is cost-effective to get higher income than prepayment interest expense. As far as loan opportunities are concerned, the impact of the current loan restriction policy cannot be ignored. Before the loan restriction policy, it was a reasonable choice for some borrowers to choose to repay the loan in advance, but they may not be able to apply for a loan after repayment in advance. When the repayment period is over half and the total residual interest of the loan is not high, it is a good choice to invest the money repaid in advance in projects that may get higher returns. The order of prepayment is that the interest rate of provident fund loans is lower than that of commercial loans in the same period. Therefore, if there are both commercial and housing provident fund loans, you should choose to repay the commercial loans first and then the provident fund loans.
According to the relevant provisions of the provident fund loan contract, during the normal repayment period of the provident fund loan, the borrower may repay in part or in one lump sum in advance after the normal repayment with the consent of all parties to the loan contract.
Second, I would like to ask how to handle the Sichuan loan and the Chengdu enterprise loan. What documents do you need? What's the fastest way to get a loan? thank you
Just look for Chengdu Yi Rong Loan Investment Management Co., Ltd. ~ You can Baidu their company name!
Third, I would like to ask about the Sichuan loan, how to handle the Chengdu enterprise loan? What documents do you need? ...
The bank checks the applicant's credit record at the central bank.
Step 3 agree
4. The applicant shall bring the original materials for review and sign a formal contract.
5; It usually takes about 2-4 days to complete. The monthly interest rate is 2, without any handling fee. If the information is complete and the loan procedures are reviewed, "application-review-signing-public or private loans will cost more than 20,000 yuan a month. The procedure is simple and quick: you have China nationality, and you can get a loan for 3 days without mortgage, guarantee and any handling fee. Taobao: 1. The applicant shall submit personal certification materials and fill in the application materials.
2; Have a stable job. Age 2 1-55 years old. Office workers urgently need money to work or live in the place of application for at least 6 months and apply for personal loans in Chengdu. The property owner owns a commercial property or one of the applicants. Have a good credit record.
Apply for unsecured and unsecured small loans. You can apply if you meet the following conditions.
Taobao loan network handling process.
Reminder: They are all suitable for short-term emergency. Please choose a loan product that suits you, with a monthly income of not less than 3,000 yuan. The cooperative bank can lend money in about 2-4 working days after the whole process is reviewed, and the loan is 1- 1.5 million yuan.