1. Business scope: This kind of business is only applicable to the applicant to repay the principal and interest of the house loan.

2. Time limit for business acceptance: you must apply for withdrawal within the normal repayment period of the loan. If it is a loan to buy a house, but it is not handled during the normal repayment period, and the application is made only after the loan is fully settled, it needs to be handled with reference to the purchase method. At the same time, there are multiple housing loans, and one of them should be selected for withdrawal.

3. Applicant's scope: Both the borrower and his spouse can participate in the withdrawal, and the identity documents provided should be consistent with the name and ID number on the marriage certificate. If the information of the extractor is changed due to the change of marriage relationship or death, the applicant should take the initiative to claim his rights and issue relevant supporting documents to the Central Bureau, such as divorce certificate, divorce agreement or court judgment, death certificate, etc.

4. Time limit for business acceptance: the time interval for the applicant to withdraw money should be no less than 6 months (6 months from the date of the last withdrawal), unless the monthly deduction business has been handled.

5. Withdrawal amount: the applicant can withdraw the loan principal during the normal repayment period, and can withdraw and settle the account balance of the current month after the loan is settled, but the accumulated withdrawal amount of the husband and wife shall not exceed the total principal and interest of the repaid loan, and can only be withdrawn once after the loan is settled.

6. Overdue restriction: if the overdue loan reaches the third phase, it must be repaid before it can be withdrawn.

7. Agency requirements: An applicant who has applied to cancel the account binding or transfer money to the activated Dongguan social security card savings account may entrust others to handle such business, and the agent shall present the original valid personal identity certificate. Other special circumstances need to entrust others to handle, the power of attorney must be notarized by the notary department of Chinese mainland, and the original power of attorney should be presented when handling. Otherwise, the applicant must attend in person.

8. Account requirements: Please refer to the Guide for Extracting Binding Accounts for the conditions of extracting transfer accounts and binding accounts.

9. Monthly deduction: among them, the city's provident fund loans and commercial loans that have joined the city's commercial loan exchange can also handle monthly deduction business. Please refer to the monthly deduction service for specific business guidelines.

10. authorization requirements: the borrower must sign the authorization letter for joining the loan information exchange, otherwise it will not be accepted. The signed power of attorney is deemed to have authorized our center to inquire about the borrower's housing commercial loan information in the exchange bank.

1 1. On the application of commercial loan interoperability data:

(1) Only when the personal housing commercial loan data can be successfully obtained can the extraction file be established;

(2) If the applicant has any objection to the obtained data, such as loan amount, loan term, address, etc. The applicant should contact the borrowing bank first to inquire about the specific situation, and then handle it after the information is corrected.

(3) The system can't obtain the personal housing commercial loan data, but if the borrowing bank belongs to the information exchange category, the applicant should first contact the borrowing bank to inquire about the specific situation, and then handle it after the data is corrected, otherwise it can only be handled according to the non-commercial loan information exchange category.

12. Material requirements: the seal of relevant certificates shall be clear, complete and without overlap.

Two, the repayment of principal and interest of housing loans (not to join the commercial loan information exchange)

1. Business scope: This kind of business is only applicable to the applicant to repay the principal and interest of the house loan.

2. Time limit for business acceptance: you must apply for withdrawal within the normal repayment period of the loan. If it is a loan to buy a house, but it is not handled during the normal repayment period, and the application is made only after the loan is fully settled, it needs to be handled with reference to the method of buying a house. At the same time, there are multiple housing loans, and one of them should be selected for withdrawal.

3. Applicant's scope: Both the borrower and his spouse can participate in the withdrawal, and the identity documents provided should be consistent with the name and ID number on the marriage certificate. If the information of the extractor is changed due to the change of marriage relationship or death, the applicant should take the initiative to claim his rights and issue relevant supporting documents to the Central Bureau, such as divorce certificate, divorce agreement or court judgment, notarization of death, etc.

4. Time limit for business acceptance: the time interval for the applicant to withdraw money should be no less than 6 months (6 months from the date of the last withdrawal), unless the monthly deduction business has been handled.

5. Withdrawal amount: the applicant can withdraw the loan principal during the normal repayment period, and can withdraw and settle the account balance of the current month after the loan is settled, but the accumulated withdrawal amount of the husband and wife shall not exceed the total principal and interest of the repaid loan, and can only be withdrawn once after the loan is settled.

6. Overdue restriction: if the overdue loan reaches the third phase, it must be repaid before it can be withdrawn.

7. Agency requirements: An applicant who has applied to cancel the account binding or transfer money to the activated Dongguan social security card savings account may entrust others to handle such business, and the agent shall present the original valid personal identity certificate. Other special circumstances need to entrust others to handle, the power of attorney must be notarized by the notary department of Chinese mainland, and the original power of attorney should be presented when handling. Otherwise, the applicant must attend in person.

8. Account requirements: Please refer to the Guide for Extracting Binding Accounts for the conditions of extracting transfer accounts and binding accounts.

9. Loan contract requirements: The individual housing loan contract provided by the applicant must have complete loan elements, including the borrower's name, borrower's ID number, borrowing bank, loan purpose, loan amount, loan date, loan period, detailed address of the house purchased, repayment account number, etc. If the contract elements are incomplete, the applicant must first fill in the contract elements or provide other relevant materials (such as purchase contract, real estate license, purchase invoice, loan receipt, transfer certificate, etc.). ) to prove. If the applicant is unable to provide the original loan contract due to loss, damage or other reasons, he can provide a copy of the loan contract sealed by the bank and the borrower's power of attorney. If the copy is multi-page, it needs to be stamped with a riding seal. The official seal stamped by the bank on the copy must be the same as the original official seal stamped on the contract signature page (or have the same effect).

10. Requirements for providing repayment records of repayment passbook or repayment reconciliation table: repayment records of any period in recent March, if the current period is 65438+February, repayment records of any month of 10/1and 65438+February can be provided.

1 1. Material requirements: the seal of relevant certificates shall be clear, complete and without overlap.

Three, to repay the principal and interest of housing loans (urban housing provident fund loans)

1. Business scope: This kind of business is only applicable to the applicant to repay the principal and interest of the house loan.

2. Time limit for business acceptance: you must apply for withdrawal within the normal repayment period of the loan. If it is a loan to buy a house, but it is not handled during the normal repayment period, and the application is made only after the loan is fully settled, it needs to be handled with reference to the method of buying a house. At the same time, there are multiple housing loans, and one of them should be selected for withdrawal.

3. Applicant's scope: Both the borrower and his spouse can participate in the withdrawal, and the identity documents provided should be consistent with the name and ID number on the marriage certificate. If the information of the extractor is changed due to the change of marriage relationship or death, the applicant should take the initiative to claim his rights and issue relevant supporting documents to the Central Bureau, such as divorce certificate, divorce agreement or court judgment, notarization of death, etc.

4. Time limit for business acceptance: the time interval for the applicant to withdraw money should be no less than 6 months (6 months from the date of the last withdrawal), unless the monthly deduction business has been handled.

5. Withdrawal amount: the applicant can withdraw the loan principal during the normal repayment period, and can withdraw and settle the account balance of the current month after the loan is settled, but the accumulated withdrawal amount of the husband and wife shall not exceed the total principal and interest of the repaid loan, and can only be withdrawn once after the loan is settled.

6. Overdue restriction: if the overdue loan reaches the third phase, it must be repaid before it can be withdrawn.

7. Agency requirements: An applicant who has applied to cancel the account binding or transfer money to the activated Dongguan social security card savings account may entrust others to handle such business, and the agent shall present the original valid personal identity certificate. Other special circumstances need to entrust others to handle, the power of attorney must be notarized by the notary department of Chinese mainland, and the original power of attorney should be presented when handling. Otherwise, the applicant must attend in person.

8. Account requirements: Please refer to the Guide for Extracting Binding Accounts for the conditions of extracting transfer accounts and binding accounts.

9. Monthly deduction: among them, the city's provident fund loans and commercial loans that have joined the city's commercial loan exchange can also handle monthly deduction business. Please refer to the monthly deduction service for specific business guidelines.