After the husband and wife provident fund loans stop paying, it will affect the audit results of provident fund loans. In the name of husband and wife to apply for provident fund loans, provident fund management center according to the loan conditions of both husband and wife for loan review. Once one party stops paying the provident fund, the party that stops paying does not meet the conditions of the provident fund loan, and the approval of the provident fund loan at this time may be rejected.
Secondly, the amount of provident fund loans applied for in the name of husband and wife is higher. If one party stops paying the provident fund, the amount of the provident fund loan applied for at this time does not meet the conditions of the provident fund loan. If you want to apply for provident fund loans in the future, you can only re-apply for provident fund loans in your own name, and the loan amount needs to be appropriately reduced to the personal limit.
When employees apply for provident fund loans to buy a house, they will generally be required to pay the provident fund for at least 6 months, and the provident fund account is in a state of payment. The standard of provident fund loans in different regions may be different. The specific needs shall be subject to the local provident fund management center. If you are not clear, you can call the hotline of the provident fund management center for consultation.
What should I pay attention to when handling provident fund loans?
1. Before handling provident fund loans, you must first verify whether you have the conditions for provident fund loans. For example, whether the provident fund is normally paid continuously 1 year or more. Also confirm whether there are outstanding provident fund loans under your or your family's name. In addition, the provident fund cannot be broken. If it does not exceed 3 times a year, you can apply for payment.
2. The amount of provident fund loans is limited. Borrowers need to make a good budget and prepare a complete down payment before they can handle it. In addition, if you entrust others to do it for you, you need to prepare additional handling fees. The applicant should also verify whether the prepared materials are complete, including the applicant's household registration book, ID card, purchase contract, purchase invoice, marriage certificate, etc.
3. Consult the bank for loan interest rate, loanable period, monthly loan amount and interest before handling. In addition, if the applicant applying for provident fund loans is married, both husband and wife should be present and sign together.