Receipt is the reply when the other party receives a written notice, that is, when an individual or unit sends a notice or other message to another person or unit, it is used to ensure that the individual or unit that needs to receive these notices or other messages knows these notices or messages and let the individual or unit that needs to receive these notices or other messages reply.
Matters needing attention in early withdrawal of provident fund
Under normal circumstances, the prepayment of provident fund loans needs to meet two conditions. First, the borrower can not apply for prepayment of provident fund until one year after normal repayment. Second, when applying for prepayment, he must ensure that there is no overdue behavior before he can apply for prepayment, otherwise he cannot apply.
Users of housing provident fund loans who want to repay in advance after one year of normal repayment need to submit a written application to the local housing provident fund management center and fill in the application form for early repayment. After receiving the application for prepayment from the mortgage users, the provident fund management center will sign an opinion, and then entrust the bank that issued the loan to handle the prepayment procedures. Generally, the formalities can be completed in one or two working days.
For those who apply for provident fund loans, they can not only enjoy low interest rates, but also use the provident fund to offset loans, so as to appropriately reduce the repayment pressure. Although housing provident fund loans can be repaid in advance, it is generally not recommended to repay in advance because provident fund loans enjoy preferential interest rates, and it is difficult for other loan products to enjoy the interest rate of provident fund loans. Therefore, if you have spare money, you can consider using it for other investments to earn more income and avoid repaying the housing provident fund loan in advance, and then you have your own turnover needs, so it is impossible to apply for a low-interest provident fund loan from the bank.
Not only the housing provident fund can repay the loan in advance, but also the commercial loan can be repaid in advance. However, if the repayment period of commercial housing loan is less than 1 year, it is likely to generate liquidated damages. It is recommended that loan users go to the local housing provident fund management center or commercial bank for consultation.