How to issue a provident fund no loan certificate?

The provident fund no loan certificate refers to the provident fund deposit employee's proof of depositing the provident fund in accordance with regulations and not applying for a provident fund loan. Generally, it is required when handling combination loans, off-site provident fund loans, etc. So do you know how to issue a provident fund no-loan certificate? What information is required to issue a provident fund no-loan certificate? How should it be done?

The provident fund no-loan certificate means that the provident fund deposit employee pays the provident fund in accordance with regulations. No Proof of application for provident fund loan. Generally, it is required when handling combination loans, off-site provident fund loans, etc. So do you know how to issue a provident fund no-loan certificate? What information is required to issue a provident fund no-loan certificate? How to operate?

Conditions for issuance:

1. Pay housing deposits in accordance with regulations Provident Fund;

2. Have not applied for provident fund loans.

Information required for issuance:

1. ID card;

2. Trustee’s ID card, relationship certificate (entrust spouse or direct blood relative to apply);

3. Notarized power of attorney and trustee’s ID card (entrust someone else to do it on your behalf).

Issuance process:

1. The applicant brings the above information to the provident fund business outlet to apply for issuance;

2. The staff accepts the information and processes the information. Review;

3. After review, the conditions are met, the information is complete, and a non-loan certificate is issued.

How should employees obtain proof that the housing provident fund has been paid normally and no loans have been taken out?

The employee should go to the management consultation desk with his or her original ID card to print out the "XX Housing Provident Fund Management Personal Fund Detailed Inquiry" and Stamp the special seal for inquiry;

The employee takes the "XX Housing Provident Fund Management Personal Fund Detailed Inquiry" to the loan business acceptance counter of the Personal Loan Division, and the Personal Loan Division will print the "XX Housing Provident Fund Management Personal Fund Detailed Inquiry" on the "XX Housing Provident Fund Management Personal Fund Detailed Inquiry" Issue proof that the housing provident fund has been paid normally and that no loans have been taken out, and a special stamp for loan approval must be stamped.

If an employee has any of the following circumstances, he or she may withdraw the balance in the employee housing provident fund account:

(1) Purchasing, constructing, renovating, or overhauling a self-occupied house;

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(2) (2) Retirement or retirement;

(3) Completely losing the ability to work and terminating the labor relationship with the employer;

(4) Leaving the country Settled; (5) Repaying the principal and interest of the house purchase loan; (6) The rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when withdrawing employee housing provident funds, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the income of the housing provident fund. . Employees who have paid into the housing provident fund can apply for a housing provident fund loan from the housing provident fund management when purchasing, constructing, renovating, or overhauling their own homes. The housing provident fund management shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is approved, the entrusted bank shall handle the loan procedures.

How to issue a loan certificate

To issue a loan certificate, you need to bring the income certificate issued by the unit, the capital flow certificate issued by the bank and the information related to the personal loan to the bank where the loan is issued. Issue.

1. Specific steps for issuing a loan certificate:

1. Income certificate: To issue an income certificate, the lender needs to find the unit's financial department or human resources department to issue an income certificate in a format specified by the bank. , the certificate mainly includes monthly income, working years, insurance, etc.

2. Bank statement: For proof of bank statement, the borrower needs to bring his or her ID card and print it at the counter of the bank where the personal account is opened. The period depends on the requirements of the lending bank, and the time required for the statement of account is also different.

2. Requirements for bank loans:

1. The borrower is required to be in the location of the lending bank, with a fixed residence and permanent residence certificate, under the age of 65, and with full civil conduct capable Chinese citizens.

2. The lender is required to have a legitimate occupation and a stable source of income, and must have the ability to repay the principal and interest of the loan on time.

3. The lender is required to have a good personal credit record And strong repayment ability, there is no credit stain on the personal credit report.

4. The lender is required to provide a legal and effective guarantee recognized by the bank.

5. Before a lender makes a loan, it needs to give the bank a clear loan purpose that complies with national laws and regulations.

Notes:

1. On the income certificate issued by the unit, the monthly income should be twice the monthly repayment amount, otherwise it will be difficult to get a loan.

2. The bank statement required for issuing a loan certificate is not that the bigger the statement, the better. The bank pays more attention to the balance in the account.

3. The bank's loan limit will also fluctuate based on other property certificates, such as vehicle driving license, time deposit certificate, house rental certificate, etc., which can be used to prove that the lender has sufficient repayment ability.

3. How to issue a payment certificate for a loan from another place?

1. First go to the Housing Provident Fund Loan Center and issue a "Certificate of No Housing Provident Fund Loan".

2. Bring the “No Housing Provident Fund Loan Certificate” and the blank housing provident fund payment certificate to the account opening management department.

3. The management department will fill in the standard certificate completely according to the information on the "No Housing Provident Fund Loan Certificate" and its payment status, and stamp it with the business seal of the management department.

How to issue a provident fund no-loan certificate online

Let me introduce to you the process of applying for a provident fund no-loan certificate online. 1. Online application process 1. Enter Baidu to search the Housing Provident Fund website and open the official website 2. Click "I want to apply" 3. Select the loan project you are applying for 4. Click Apply Now 5. Fill in the relevant information required for the loan here. Such as loan application form, loan contract, etc., and fill them out. 6. After getting the loan certificate, click Apply Now. 7. Apply online for provident fund no loan certificate. Online application process. Step 1: Log in to the official website of Shanghai Provident Fund Management Center to register. Step 2: After successfully logging in, click "Personal Loan" and choose to apply for a housing provident fund loan.

How to write a bank certificate of no debt? It is urgent!!!!!!

This certificate is issued by a bank with no debt. It is generally used when you have other financial services or apply for home loans, car loans, and loans with banks. (First of all, you must have no debts with the bank, and then you can apply to the bank for a certificate of no debts)

For units, the official seal must be affixed, and for individuals, the private seal must be affixed.

Zhengzhou Municipal Housing Authority Zhengdong New District Branch: The borrower has fully settled the loan borrowed from us on ____year__month__day, the debt has been performed as agreed, and the main creditor's rights have been extinguished , the details of the mortgage rights subordinate to this claim are as follows: Mortgagor: _____House other title certificate number/mortgage registration certificate number: _______ House ownership certificate number/commercial housing sales contract number: __________ All debts have been settled, and the mortgage rights are agreed to be processed Unregister.

This is to certify

Mortgagee (signature and seal): __________________

____year__month__day

Extended information

Handling the issue of interest on arrears

If the parties have made a clear agreement on the liability for breach of contract for overdue payment of arrears, the matter should be handled in accordance with the agreement. Some parties have not clearly agreed on liability for breach of contract, but claim liquidated damages or directly claim interest on arrears when applying for arbitration. The arbitral tribunal must be cautious when reviewing the facts of the case, considering applicable laws and ruling opinions.

What clearly stipulates the interest on arrears is project advance funds and project arrears. The Supreme People's Interpretation on Applicable Legal Issues in the Trial of Construction Contract Cases of Construction Projects stipulates that the interest payment on project advance funds is subject to agreement, but cannot be higher than the interest rate for similar loans issued by the People's Bank of China for the same period; and the interest on project arrears , if there is no agreement, it can be calculated according to the interest rate of similar loans in the same period, and if there is an agreement, it will be handled in accordance with the agreement (there are no restrictions on this agreement). It is obvious that the state's protection of project debts is quite strong.

Where to get a certificate of no loan in Hefei

At the Housing Provident Fund Loan Center, issue a "certificate of no loan to the housing provident fund". Bring your personal ID card to the lending bank branch, and the branch staff will inquire and issue a loan certificate.