Large repayment of commercial loans can be paid by the balance of provident fund and cash, but there are preconditions. 1. Commercial loans are repaid for more than one year (according to bank regulations, individual banks require repayment after two years).
2. There is no record of withdrawing the provident fund account within one year (there may be differences in individual provinces and cities, and there are regulations in Liaoning Province). In addition, it should be noted that commercial banks will charge several months' repayment interest as the handling fee for prepayment, and some secret banks will also charge a certain percentage of the prepayment amount as the handling fee.
Repayment method for large repayment of commercial loans:
1, one-time repayment method. Withdraw the balance of provident fund from the housing provident fund account and repay the loan at one time. After repayment, if there are still outstanding loans, the remaining loan principal and repayment period will be recalculated to determine the future monthly repayment amount.
2. Stop repaying the loan for several months. Withdraw the balance of the provident fund account and repay the loan in advance. After repaying the loan in advance, the lender may stop lending for several months. (The time to stop repayment depends on the amount of repayment in advance, but it cannot exceed 12 months. After the repayment period ends, the lender shall continue to repay the loan on a monthly basis.
The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after the suspension period. Some property buyers have changed their income at a certain stage (such as illness, childbirth, unemployment, etc.). ), and they often use this way to repay the loan.
3. Monthly repayment method. Withdraw the provident fund directly from the provident fund account every month to repay the loan. When the amount of housing provident fund withdrawn is insufficient, the lender shall make up the repayment amount in time.
My husband is in Tianjin and bought a house with a commercial loan. Can I withdraw the monthly contribution from the provident fund now?
What do you mean by rushing to pay for the moon? You can only withdraw your own provident fund or your lover's provident fund to repay the mortgage in large amounts, and the total amount of the provident fund withdrawn cannot exceed the down payment and repayment of the house.
Third, can Tianjin commercial loans be repaid in large amounts to withdraw the provident fund?
After the large amount of mortgage is paid off, you can also withdraw the provident fund.
Because during the normal repayment period, my spouse and I can withdraw the housing provident fund, that is, repay the house loan. However, after the repayment of 12 months, you can apply for withdrawal of housing provident fund, and the withdrawal interval must be more than 12 months, and the amount withdrawn by both husband and wife shall not exceed the total principal and interest of the loan repaid in the current period. The materials needed to withdraw the provident fund include the original and photocopy of the purchase contract; The original and photocopy of the purchase invoice; The original and photocopy of the employee's ID card paid into the provident fund; Provident fund withdrawal employee's own provident fund card.
Four, Tianjin Construction Bank's portfolio loan can repay the commercial loan in large amount first, and then withdraw the corresponding corporate loan. ...
Hello!
Repayment must be made in proportion.
Typing is not easy, adopt it!