Current location - Loan Platform Complete Network - Loan intermediary - Advance repayment process of Xuzhou provident fund loan
Advance repayment process of Xuzhou provident fund loan
Legal subjectivity:

1. What is the prepayment process of provident fund loans? 1. Before prepayment, you should inquire about the remaining loan amount, call the hotline of provident fund management center, and input part of prepayment amount according to the voice prompt. Then the user brings his ID card to the local provident fund management center to apply for the amount of prepayment. 2. The user chooses to fill in the application form according to the repayment amount. For all repayments, fill in the Application Form for Advance Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, and for partial repayments, fill in the Application Form for Advance Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, and then the staff will sign and seal it and provide relevant materials. 3. Next, the applicant's application will be transferred to the corresponding entrusting bank for approval. 4. After the approval of the bank, it is followed by the approval of the housing provident fund management center. After receiving the notice of successful approval, the applicant can go to the bank to repay the repayment amount and interest. 6. After the prepayment is successful, the user needs to submit the prepayment form to the local housing provident fund management center for the record. Second, is it cost-effective to repay the loan in advance? First, owing on the loan in advance actually depends on the specific situation. If you had already enjoyed the special loan discount when signing the contract, as long as the discount range is about 20%, it is generally not cost-effective for you to repay the loan in advance. Second, if the mortgage is repaid in advance, we need to know the interest rate of the bank. For example, if we repay the mortgage in advance when the mortgage interest rate starts to drop, it will be very uneconomical, so you will suffer a lot, because the drop in interest rate offsets a lot of your previous pressure. Third, we should consider the actual situation when calculating the repayment. If your house has appreciated sharply and the interest is basically stable for a period of time, then you can consider repaying it in advance, which can make a profit unilaterally, and it is also a more cost-effective thing. Fourth, if the house price in your city drops to a certain extent and the interest rate is basically flat, then there is no need to rush to repay in advance immediately. We can observe for a period of time to see if it is possible to continue to raise interest rates. If not, then there is no need to prepay. Fifth, the national economic policy has been stable for some time, and the real estate market price has risen slightly. In this case, early repayment can be considered, because the economic policy is stable and the house price is not big. As long as your economy allows, it will be more affordable for you to repay the loan in advance. Sixth, we just bought a building, and you start to repay the loan yourself. Generally speaking, when you start with a large principal base and high interest, it is more cost-effective to repay the loan in advance, provided that you have no other investment projects. Seventh, in your city, house prices have risen rapidly, and the price has reached a relatively high position. At this time, you can repay the loan in advance, because after the house is finished, you can make a mortgage loan, and then you can take out more funds for other investments. In this case, it is more cost-effective.

Legal objectivity:

"Xuzhou: Further Adjusting the Housing Provident Fund Loan Policy" In order to fully implement the deployment of the "deepening year" of the business environment and optimize the housing provident fund loan process and related policies, Xuzhou further adjusted the housing provident fund loan policy and implemented it on September 1 day. Cancel the mortgage face-to-face counters of Xuzhou Real Estate Registration Service Center in the business departments in the east and west of the city, and Xuzhou Housing Property Guarantee Company will handle the mortgage procedures on its behalf, reducing customers' back and forth. The loan processing flow is changed from "center acceptance → bank signing loan contract → guarantee company handling guarantee → real estate department handling mortgage registration → guarantee company entering mortgage information → bank lending" to: center acceptance → bank signing loan contract → guarantee company handling guarantee and mortgage → bank lending. In the county (city) district, Xuzhou Branch of China Construction Bank is added as the accepting bank of the provident fund portfolio loan. Housing provident fund loan in Huaihai Economic Zone, Jining City.