Go to accumulation fund center ahead of time repay loan to want
Publish: 2021-04-24 05:02:06
1. Provident fund loan repayment in advance, currently do not need to pay liquidated damages
1. Prepayment of provident fund is divided into one-time repayment of principal and interest and partial repayment. After partial repayment, the monthly payment will be reced and the loan term will remain unchanged
2. Repayment of provident fund loan in cash:
the first prepayment can only be made after 6 (including) months of repayment on time, and then the prepayment can be applied every 12 (including) months
3. Repayment of provident fund loan with Provident Fund:
the first application for prepayment can be made for normal repayment of more than 12 (including) months, and the second application for prepayment with provident fund requires an interval of more than 12 (including) months, and the principal and interest shall be paid off at one time
4. For prepayment, you need to show the loan contract and ID card, apply to the loan section of housing provident fund management center, and apply for prepayment only after approval.
1. Prepayment of provident fund is divided into one-time repayment of principal and interest and partial repayment. After partial repayment, the monthly payment will be reced and the loan term will remain unchanged
2. Repayment of provident fund loan in cash:
the first prepayment can only be made after 6 (including) months of repayment on time, and then the prepayment can be applied every 12 (including) months
3. Repayment of provident fund loan with Provident Fund:
the first application for prepayment can be made for normal repayment of more than 12 (including) months, and the second application for prepayment with provident fund requires an interval of more than 12 (including) months, and the principal and interest shall be paid off at one time
4. For prepayment, you need to show the loan contract and ID card, apply to the loan section of housing provident fund management center, and apply for prepayment only after approval.
2.
1、 Full repayment
1. The borrower calls the hotline of provident fund management center to inquire about the remaining balance amount and make an appointment for the amount of prepayment
2. The repayment applicant shall fill in the application for prepayment of housing provident fund loan of housing provident fund management center or application for prepayment of part of housing provident fund loan of housing provident fund management center, sign and provide the required information
3
4
The applicant went to the bank to repay the loan principal and interest The applicant will send the prepayment form to the housing provident fund center for filing Second, partial repayment1. The borrower dials the provident fund management hotline to input the amount you intend to repay in advance according to the voice prompt and make an appointment for repayment
2. The payer applies for prepayment, Fill in the "application form for prepayment of housing provident fund loan of housing provident fund management center" or "application form for prepayment of part of housing provident fund loan of housing provident fund management center" and sign and provide the required information
3. The applicant determines the amount and date of prepayment
4
5
The applicant went to the bank to repay part of the loan principal The applicant will send the prepayment form to the provident fund center for filingjust apply to the bank one month in advance. Take a closer look at the provident fund loan contract you signed with the bank. What's the agreement on prepayment? Is there a clause that prepayment requires payment of liquidated damages? If not, prepayment is not necessary
it may be necessary to sign another repayment contract with the bank. You can choose to shorten the loan time or rece the monthly payment. Generally, shortening the loan time is more economical
extended information:
precautions for prepayment of provident fund:
1. The repayment time of provident fund loan is more than one year
2. The applicant is not overe at present
3. For those who apply for partial repayment in advance, the minimum amount of each repayment is 10000 yuan, which shall not be less than 12 months of loan principal and interest, and shall be limited to one repayment every year
(4) borrowers who have been repaying the loan for more than one year can withdraw the balance of the housing provident fund account to repay the loan in part or in full, but only once a year There is no service charge or penalty for prepayment of provident fund
source: Network: housing provident fund
3. How to deal with housing provident fund repayment proceres in advance? If the borrower wants to repay the principal and interest of the loan in advance, he can apply to the loan bank, which is approved by the loan bank and the municipal housing provident fund management center. If the guarantee company provides loan guarantee, the borrower shall notify the guarantee company in advance. First, if all the principal and interest of the loan are paid in advance, the interest to be paid shall be calculated by multiplying the actual number of days of the remaining principal by the current interest rate corresponding to the term agreed in the loan contract. 2、 If part of the loan principal is returned in advance, the repayment shall be calculated according to the actual occupation days of the part of the principal returned in advance, and the interest receivable of the returned principal shall be settled. The amount of principal and interest payable in the current and subsequent months shall be recalculated according to the remaining principal and the remaining term. 3、 If the principal and interest of the loan are prepayed several months in advance, it cannot be prepayed across the natural year. After a few months of prepayment, the lender will still repay the remaining loan according to the original monthly repayment amount.
4. The borrower can apply for prepayment and does not need to pay liquidated damages at present. Prepayment is divided into partial repayment and one-time repayment of principal and interest. Part of the repayment is to repay the loan principal, rece the monthly payment, and the loan period remains unchanged
one is cash return. The first prepayment can only be made after 6 (including) months of repayment on time. After that, prepayment can be applied every 12 (including) months
the second is the return of provident fund. If the normal repayment period is more than 12 (including) months, you can apply for prepayment for the first time. If you use the provident fund again, you need to pay off the principal and interest at an interval of more than 12 (including) months. Prepayment needs to show the loan contract and ID card, apply to the loan section of housing provident fund management center, and apply for prepayment only after approval.
one is cash return. The first prepayment can only be made after 6 (including) months of repayment on time. After that, prepayment can be applied every 12 (including) months
the second is the return of provident fund. If the normal repayment period is more than 12 (including) months, you can apply for prepayment for the first time. If you use the provident fund again, you need to pay off the principal and interest at an interval of more than 12 (including) months. Prepayment needs to show the loan contract and ID card, apply to the loan section of housing provident fund management center, and apply for prepayment only after approval.
5. The proceres and proceres for prepayment of housing provident fund loan are as follows:
1. Borrower's information
(1) borrower's ID card and three copies
(2) the borrower's housing provident fund long card or savings card
(3) if the borrower fails to handle the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, it is required to provide the recent loan repayment certificate or the indivial housing provident fund loan payment certificate (IOU), the mortgage loan IOU in the portfolio loan (hereinafter referred to as "IOU") and a ; If the borrower has handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, it shall provide the recent loan repayment certificate or IOU
(4) the application for withdrawal of Tianjin housing provident fund (application for withdrawal of Tianjin supplementary housing provident fund and application for withdrawal of Tianjin monthly housing subsidy), hereinafter referred to as "withdrawal application", issued by the borrower, is in plicate
2. Spouse information
when applying to withdraw the balance of the spouse's housing provident fund account at the same time to repay the loan, the spouse should bring the following information:
(1) spouse's ID card and three copies
(2) long card or savings card of spouse's housing provident fund
(3) if the spouse has not handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, two copies of marriage certificate and marriage certificate are required; If the spouse has handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, a marriage certificate and a shall be provided
(4) the application for withdrawal issued by the spouse's unit is in plicate.
1. Borrower's information
(1) borrower's ID card and three copies
(2) the borrower's housing provident fund long card or savings card
(3) if the borrower fails to handle the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, it is required to provide the recent loan repayment certificate or the indivial housing provident fund loan payment certificate (IOU), the mortgage loan IOU in the portfolio loan (hereinafter referred to as "IOU") and a ; If the borrower has handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, it shall provide the recent loan repayment certificate or IOU
(4) the application for withdrawal of Tianjin housing provident fund (application for withdrawal of Tianjin supplementary housing provident fund and application for withdrawal of Tianjin monthly housing subsidy), hereinafter referred to as "withdrawal application", issued by the borrower, is in plicate
2. Spouse information
when applying to withdraw the balance of the spouse's housing provident fund account at the same time to repay the loan, the spouse should bring the following information:
(1) spouse's ID card and three copies
(2) long card or savings card of spouse's housing provident fund
(3) if the spouse has not handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, two copies of marriage certificate and marriage certificate are required; If the spouse has handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, a marriage certificate and a shall be provided
(4) the application for withdrawal issued by the spouse's unit is in plicate.
6. The application conditions of provident fund loan in various provident fund centers are different, mainly as follows:
1. Having full capacity for civil conct and legal and effective identity documents
2. Have the ability to repay the loan principal and interest
3
4. The down payment ratio meets the requirements
5. Other conditions stipulated by the local provident fund management center
please contact the local provident fund management center for details
1. Having full capacity for civil conct and legal and effective identity documents
2. Have the ability to repay the loan principal and interest
3
4. The down payment ratio meets the requirements
5. Other conditions stipulated by the local provident fund management center
please contact the local provident fund management center for details
7. The proceres of withdrawing housing provident fund to repay the loan in advance are as follows:
1. Information of the borrower
(1) three copies of the borrower's ID card and its
(2) the borrower's housing provident fund card
(3) if the borrower fails to handle the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, it is required to provide the recent loan repayment certificate or the indivial housing provident fund loan payment certificate (IOU), the mortgage loan IOU in the portfolio loan (hereinafter referred to as "IOU") and a ; If the borrower has handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, it shall provide the recent loan repayment certificate or IOU
(4) the application for withdrawal of housing provident fund (application for withdrawal of supplementary housing provident fund and application for withdrawal of monthly housing subsidy) issued by the borrower is made in plicate
2. Spouse information
when applying to withdraw the balance of the spouse's housing provident fund account at the same time to repay the loan, the spouse should bring the following information:
(1) spouse's ID card and three copies
(2) long card or savings card of spouse's housing provident fund
(3) if the spouse has not handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, two copies of marriage certificate and marriage certificate are required; If the spouse has handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, a marriage certificate and a shall be provided
(4) the application for withdrawal issued by the spouse's unit is in plicate.
1. Information of the borrower
(1) three copies of the borrower's ID card and its
(2) the borrower's housing provident fund card
(3) if the borrower fails to handle the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, it is required to provide the recent loan repayment certificate or the indivial housing provident fund loan payment certificate (IOU), the mortgage loan IOU in the portfolio loan (hereinafter referred to as "IOU") and a ; If the borrower has handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, it shall provide the recent loan repayment certificate or IOU
(4) the application for withdrawal of housing provident fund (application for withdrawal of supplementary housing provident fund and application for withdrawal of monthly housing subsidy) issued by the borrower is made in plicate
2. Spouse information
when applying to withdraw the balance of the spouse's housing provident fund account at the same time to repay the loan, the spouse should bring the following information:
(1) spouse's ID card and three copies
(2) long card or savings card of spouse's housing provident fund
(3) if the spouse has not handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, two copies of marriage certificate and marriage certificate are required; If the spouse has handled the withdrawal registration business of repaying the housing provident fund (portfolio) loan at the counter, a marriage certificate and a shall be provided
(4) the application for withdrawal issued by the spouse's unit is in plicate.
8. Materials to be prepared for applying for advance repayment of provident fund include:
"application form for housing consumption withdrawal of * * housing provident fund"; The original ID card of the employee; The original of the joint card of the employee's housing provident fund; Prepayment of provident fund loans If the original cannot be provided, only a of the above materials shall be provided, but the seal of the entrusted bank shall be stamped); Details of repayment in advance issued by the lending bank and stamped with the seal of the lending bank (details of repayment include the name of the payer, loan amount, amount of repayment in advance, etc.); If the spouse is entrusted to handle it, the original and a of the spouse's ID card and marriage certificate shall be provided; If other person is entrusted to handle, the original and a of the trustee's ID card shall be submitted, and the original power of attorney notarized by the notary organ shall be submitted at the same time
all repayment of provident fund
note: the borrower needs to go to the housing provident fund management center to apply for an appointment with his ID card, which will be handled in turn according to the requirements of the borrower and the deposit bank policy of the provident fund memory card. Generally, the appointment time can be as short as a few days, or as long as no more than a month
1. The borrower calls the hotline of the provident fund management center to inquire about the remaining balance amount and make an appointment for the amount of prepayment
2. The repayment applicant shall fill in the application for prepayment of housing provident fund loan of housing provident fund management center or application for prepayment of part of housing provident fund loan of housing provident fund management center, sign and provide the required information
3
4
5. The applicant goes to the bank to repay the loan principal and interest
6. The applicant will send the prepayment form to the housing provident fund center for filing
precautions for prepayment of provident fund
1. The repayment time of provident fund loan is more than one year
2. The applicant is not overe in the current status
3. For those who apply for partial repayment in advance, the minimum amount of each repayment is 10000 yuan, which shall not be less than 12 months of loan principal and interest, and shall be limited to one repayment every year
4. Borrowers who have been repaying the loan normally for more than one year can withdraw the balance in the housing provident fund account to repay the loan in part or in full, only once a year
5. There is no service charge or penalty for prepayment of provident fund.
"application form for housing consumption withdrawal of * * housing provident fund"; The original ID card of the employee; The original of the joint card of the employee's housing provident fund; Prepayment of provident fund loans If the original cannot be provided, only a of the above materials shall be provided, but the seal of the entrusted bank shall be stamped); Details of repayment in advance issued by the lending bank and stamped with the seal of the lending bank (details of repayment include the name of the payer, loan amount, amount of repayment in advance, etc.); If the spouse is entrusted to handle it, the original and a of the spouse's ID card and marriage certificate shall be provided; If other person is entrusted to handle, the original and a of the trustee's ID card shall be submitted, and the original power of attorney notarized by the notary organ shall be submitted at the same time
all repayment of provident fund
note: the borrower needs to go to the housing provident fund management center to apply for an appointment with his ID card, which will be handled in turn according to the requirements of the borrower and the deposit bank policy of the provident fund memory card. Generally, the appointment time can be as short as a few days, or as long as no more than a month
1. The borrower calls the hotline of the provident fund management center to inquire about the remaining balance amount and make an appointment for the amount of prepayment
2. The repayment applicant shall fill in the application for prepayment of housing provident fund loan of housing provident fund management center or application for prepayment of part of housing provident fund loan of housing provident fund management center, sign and provide the required information
3
4
5. The applicant goes to the bank to repay the loan principal and interest
6. The applicant will send the prepayment form to the housing provident fund center for filing
precautions for prepayment of provident fund
1. The repayment time of provident fund loan is more than one year
2. The applicant is not overe in the current status
3. For those who apply for partial repayment in advance, the minimum amount of each repayment is 10000 yuan, which shall not be less than 12 months of loan principal and interest, and shall be limited to one repayment every year
4. Borrowers who have been repaying the loan normally for more than one year can withdraw the balance in the housing provident fund account to repay the loan in part or in full, only once a year
5. There is no service charge or penalty for prepayment of provident fund.
Hot content