Complain against the bank.
Under normal circumstances, for housing provident fund loans that have been approved by the housing provident fund, the entrusted bank should lend money within 5 working days. After the loan is issued, you need to bring your ID card to the bank to sign a bank loan contract, and then you don't have to go through other formalities. Just deposit the full amount due in the current month into the repayment account before the repayment date of each month, and wait for the property ownership certificate, loan contract and other materials to be retrieved. If you need to repay in advance, you need to go to the bank loan business department with your ID card and a copy of the loan contract. At the same time, you should pay attention to the fact that loans overdue can't prepay.
After the provident fund loan is issued, can the balance in the original account be withdrawn?
After the provident fund loan is issued, the balance in the original account can be withdrawn. Take the Administrative Measures for the Withdrawal of Housing Provident Fund in Chongqing as an example. Employees or their spouses who repay the principal and interest of housing loans within the loan term and repayment amount may apply for withdrawing the storage balance in their housing provident fund accounts.
First, the provident fund loan amount
Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than six months, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when they buy or build their own houses or renovate or overhaul their houses due to insufficient funds. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. Housing: The Ministry of Construction, the People's Bank of China and the Ministry of Finance of China have made it clear that it will be implemented from September 15. For families who own a house and have settled the corresponding housing loans, if they apply for housing provident fund entrusted loans to buy houses again in order to improve their living conditions, the minimum down payment ratio will be reduced from 30% to 20%.
Two. credit terms
The total amount of provident fund paid by the borrower and his family members reaches at least 20% of the newly purchased (overhauled) housing expenditure; The lender has a stable economic income and the ability to repay the principal and interest; The borrower agrees to apply for housing mortgage registration insurance; Provide the guarantee method agreed by the local housing provident fund management center and its subordinate sub-centers; At the same time, submit relevant documents required by the bank, such as purchase contract or pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.
The interest rate of provident fund loans is adjusted and released by the People's Bank of China. Since August 26th, 20 15, the People's Bank of China has lowered the benchmark interest rates for RMB loans and deposits of financial institutions. Personal housing provident fund deposit and loan interest rates will be adjusted accordingly. The adjusted annual interest rate of individual housing provident fund loans is 2.75% for five years and below, and 3.25% for five years and above.
Is there any reason to recover the provident fund loan after it is successfully released?
The loan has been made, and the contract filing and mortgage have actually been completed. Will not be restored.
As the seller of the contract, you have received all the payment, and you have fulfilled all your contractual obligations. Pure commercial housing sales contracts only leave the final delivery of the house and the handling of property rights procedures.
You should have little chance to breach the contract, because you have no other obligations. So there is no reason to take it back.
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life.
What should I do after the provident fund loan comes down?
The provident fund loan is a loan mainly for employees, which has been paid off and deposited into the housing provident fund. According to national regulations, all employees who have paid the provident fund can apply for provident fund loans as required.
What should I do after the provident fund loan comes down? Generally speaking, there are two points:
1. Get a bank loan contract.
After the loan is completed, you need to carry your ID card and sign a bank loan agreement without any other steps. According to the loan agreement, the full amount must be deposited into the monthly repayment account before the monthly repayment date. Such as real estate license, loan agreement and other materials returned.
If you want Song Shanghuan, you must bring your ID card, copy and loan agreement to complete the early redemption process of the loan business. And please note that loans overdue can't return it, and it must be noted that loans overdue can't return it in advance.
Second, choose the repayment method.
The loan agreement signed between the lender and the borrower's bank shall be repaid monthly in the next month after the borrower issues the loan. The borrower can choose two ways.
1, 1 Cash the loan at the cash lending bank on the 20th of each month.
2. Authorize the loan bank to withhold and remit the Principal Payment Agreement signed by the borrower and the loan bank, and handle the personal savings card before the 20th of each month. The borrower can pay the fee for several months at the nearest bank or savings bank. Or it can be deposited in full, and the bank can directly deduct the loan principal and interest from the borrower's savings account. ..
The borrower can repay all the loan principal and interest in advance, or redeem part of the loan principal in advance.
1. The lender's bank that repays the loan principal and interest in advance will evaluate the borrower's loan principal and residual interest according to the borrower's actual stay date.
2. The lending bank will calculate the monthly repayment amount and loan term of the new borrower according to the remaining principal, and repay the principal and part of the loan interest in advance.
Therefore, we must sign a bank loan agreement and choose the repayment method immediately after the standby loan. Because it's about personal interests.
Does the return of the pure provident fund loan contract mean that the loan has been received?
Not necessarily, it may take several days to arrive.
Displaying "Released" means that it has entered the lending stage. If "Posted" is displayed, it means that the loan has been released. Please pay attention to the loan notice received in recent days. It usually takes several working days to get the account. Now the bank loan is slow, and it may take a little more time.
Is it successful that the off-site provident fund has given the loan issuance certificate?
It is not successful that the provident fund in different places has given a certificate of loan issuance. According to relevant information, the issuance of provident fund loans proved unsuccessful, and it can only be considered successful after formal loans. After completing the loan procedures, it will take about 7- 15 days to release the loan. If the bank is short of funds, the loan time will be slightly extended.