(a) monthly withdrawal transfer owing on the loan

1. About the application conditions.

(1) The restriction of "employee account must have a balance of 6 times the monthly repayment amount" at the time of original application is cancelled, and it is changed to: borrowers and their spouses who have applied for housing provident fund loans or "revolutionary business" interest-bearing loans in this city but have not paid off, including other property owners and their spouses. In other words, there is no requirement for the balance in the employee's account when applying for monthly repayment.

(2) On this basis, the provision of "automatic termination when the balance in the employee's account is insufficient" is cancelled, that is, as long as the employee applies for monthly withdrawal and transfer repayment, the whole repayment period is valid. In layman's terms, it means "one application, continuous validity". Even if the funds in the employee's account are insufficient to deduct the monthly repayment amount, the application will not be terminated, but will be temporarily transferred to the bank card for deduction. When the amount in the employee's account is enough to deduct the loan amount for one month, the provident fund system will automatically return it to the employee's provident fund account for deduction, and there is no need to apply again.

(3) Cancel the stipulation that the loan shall not be overdue at the time of application. In other words, employees can apply for monthly repayment regardless of whether the loan is overdue or not.

2. About the withdrawal amount.

(1) The withdrawal amount is the principal and interest amount of housing provident fund loans or "revolutionary business" interest-bearing loans that employees should repay every month, including the overdue part. That is to say, if employees are in loans overdue when applying for loan repayment, the provident fund system will automatically calculate the repayment amount and overdue principal and interest in the month you apply. If the housing provident fund in the employee's account is enough to repay the repayment amount and overdue part, the provident fund system will automatically deduct the corresponding funds to transfer and repay the loan.

(2) After the monthly repayment entrustment takes effect, the monthly repayment principal and interest will be transferred from the borrower's housing provident fund account before 15. When the same loan is transferred, if the amount of the borrower's housing provident fund account (including housing subsidies for new employees) is less than the amount of principal and interest payable in the current month, the loan will not be repaid on a monthly basis in the current month, and the loan will be deducted from the repayment account of the loan bank according to the loan contract. However, the signed Entrustment Agreement on Monthly Loan Withdrawal, Transfer and Repayment continues to take effect.

3. Change or terminate the entrustment agreement of monthly withdrawal, transfer and repayment.

After signing the entrustment agreement on monthly withdrawal, transfer and repayment of loans, if the number of applicants needs to be increased or decreased due to the change of marital relationship, the applicant shall go through the formalities of change at the office or sub-center of the Center with the required application materials.

If the principal and interest of housing provident fund loans have been settled or the interest-bearing loans of "revolutionary businessmen" terminate the interest discount, the monthly withdrawal of transfer repayment entrustment will automatically terminate. Employees can also take the initiative to terminate the application for monthly repayment.

4. About the place of acceptance.

Within the same city, it can be handled across institutions. If the deposit place of employee housing provident fund is different from the loan place, employees can freely choose to apply for monthly withdrawal, transfer and repayment at the deposit place or loan place. If you want to increase or decrease the number of applicants and withdraw the loan every month, employees can also freely choose the nearest provident fund center office or sub-center.

(2) Transfer part of the loan in advance.

Partial early transfer repayment means that employees withdraw the amount stored in their housing provident fund accounts and repay part of the housing provident fund loan principal in advance through transfer. The original rule was that employees could bring their own cash to repay part of the housing provident fund loans in advance, and now they are allowed to withdraw the housing provident fund to repay the housing provident fund loans by transfer.

1. About the applicant.

Applicants are borrowers and their spouses who have not paid off their housing provident fund loans in this city, including other property owners and their spouses.

2. About the application conditions.

Employees should meet the following conditions at the same time when applying: First, they have paid back 12 months or more according to the loan contract; Second, the balance of each applicant's housing provident fund account must be above 6,543,800 yuan. In other words, even if two or more applicants, the sum of their housing provident fund account balances exceeds 6,543,800 yuan, are not eligible to apply; Third, the loan was not overdue at the time of application.

3. About the withdrawal amount.

The withdrawal amount of each applicant applying for partial transfer and prepayment shall not be less than RMB 65,438+0,000. In other words, the amount of housing provident fund withdrawn by each applicant for loan repayment should be more than 1 000 yuan (including repayment of principal and interest).

4. About the application materials.

(1) The applicant needs to provide the original and photocopy of his/her ID card and the housing provident fund deposit card;

(2) If other property owners apply for extraction, they also need to provide the original and photocopy of the house ownership certificate or the house purchase contract;

(3) If the borrower's spouse or other property owner's spouse applies for withdrawal, the original and photocopy of the marriage certificate are also required.

(three) a one-time withdrawal transfer to pay off the loan

One-time withdrawal and transfer to pay off the loan refers to the employee withdrawing the amount stored in the housing provident fund account and paying off the principal and interest balance of the housing provident fund loan at one time through transfer.

1. About the applicant.

Applicants are borrowers and their spouses who have not paid off their housing provident fund loans in this city, including other property owners and their spouses.

2. About the withdrawal amount

The total withdrawal shall not exceed the remaining principal and interest of employee housing provident fund loans.

If the total amount of housing provident fund withdrawn by the applicant is less than the remaining loan principal and interest, the insufficient part shall be paid off on the spot by the applicant's self-raised funds to the loan handling bank.

3. About the place of acceptance.

In order to further facilitate employees, when the same loan involves the withdrawal of different branches, it can be handled at the branch of the provident fund center where the loan is located, and there is no need to go through the formalities of withdrawing and repaying the loan at the place where the employee housing provident fund is deposited.

(four) the annual withdrawal of commercial loans.

Annual withdrawal of commercial loans means that employees who apply for commercial housing loans in this city can apply for withdrawal of the amount stored in their housing provident fund accounts once a year to repay the principal and interest of their commercial housing loans if they meet the relevant conditions.

1. About the applicant.

The "Regulations" expand the scope of applicants who withdraw housing provident fund annually to repay commercial housing loans. Other property rights of houses purchased by commercial housing loans * * * Some people whose personal housing provident fund loans have not been settled may also apply for withdrawal of housing provident fund and repay the principal and interest of commercial housing loans annually.

2. About the application conditions.

Employees shall meet the following conditions at the same time when applying:

First, there are no outstanding housing provident fund loans or "revolutionary business" discount loans; Second, the repayment has exceeded 12 months as agreed in the loan contract; Three, there are a number of commercial housing loans, employees can only choose one of them to withdraw the housing provident fund and repay the commercial loans on an annual basis, and can only choose another one to continue to repay the loan until it is paid off.

3. About the withdrawal amount.

The applicant may apply for withdrawal once a year, and the total withdrawal amount shall not exceed 12 times of the principal and interest of the housing loan due last month at the time of application.

If the borrower applies for partial repayment in advance one month before the withdrawal, and the amount due last month cannot be accurately reflected in the personal credit report, the borrower's monthly repayment amount can be calculated according to the loan contract amount and repayment months in the personal credit report. The borrower can also provide the loan repayment details issued by the loan bank to determine the monthly repayment amount. For details, please refer to Supplementary Provisions on Issues Concerning the Collection of Housing Provident Fund (Changfu Fund [2065438+00] No.34).

4. Application materials

(1) One original and one copy of the applicant's ID card;

(2) the applicant's housing provident fund deposit card;

(3) If other property owners apply for extraction, they also need to provide the original and photocopy of the house ownership certificate or the house purchase contract;

(4) If the borrower's spouse or other property owner's spouse applies for withdrawal, the original and photocopy of the marriage certificate are also required;

(5) If the commercial housing loan is handled before June 65438+1 October12004, the applicant shall also provide the original and photocopy of the loan repayment details issued by the loan bank.

The borrower must be present when applying, and authorize the "Center" to inquire about the personal credit information system of the People's Bank of China; The application of the borrower's spouse and other property owners shall be handled at the same time as the borrower.

(5) Withdrawal after the loan is paid off.

After the loan is paid off, withdrawal means that after the employee pays off the interest-bearing loan or commercial housing loan, if he meets the relevant conditions, he can apply for a one-time withdrawal of the amount stored in his housing provident fund account.

The "Regulations" increased the withdrawal of interest-bearing loans from "revolutionary businessmen" after they were paid off.

Hope to adopt!