Ji'nan provident fund loan is commissioned to reimburse automatic transfer and mortgage repayment.
residents in provident service Business in the lobby. (information)
in the future, Ji'nan citizens will be more convenient to use provident fund repayment. On the 28 day, the reporter learned from the Ji'nan housing provident fund management center that the center has signed a consignment agreement with 14 banks. As long as it meets the conditions and signs the relevant agreements, the fund will be transferred to the borrower's repayment account every year. Reimbursement of housing loans. This will reduce the inconvenience of citizens' annual errands and loans.
reporter learned that, according to the current loan extraction policy, the provident fund loans can not be paid off a one-time account balance can not be extracted, but after a full year of repayment, the housing provident fund can be repaid. That is to say, how much money has been paid in the previous year, which can be extracted in the next year, but the amount of withdrawal should not exceed the total repayment amount of the previous year. According to the general way of extraction, the public should hold the relevant information to the provident fund hall every year, and then pay the repayment of the loan after obtaining the formalities. As a result, the provident fund hall, banks running back and forth, the public feel a bit of trouble.
in order to reduce the annual running errands, the Ji'nan housing provident fund management center has launched an automatic repayment business. The workers who have handled the loan of the provident fund can sign a loan agreement. According to the agreement of the agreement, the center sends instructions to the designated bank every year by the center. The staff and workers' provident fund will be entered into the account of the staff and workers. The staff and workers do not need to go to the hall to go through the formalities every year.
the person in charge of the information management office of Ji'nan housing provident fund management center, 14 banks have signed a commission agreement with the central provident fund management center. After the loan, the loan staff can sign the entrustment agreement with the central provident fund hall and the center. After the agreement comes into effect, the central provident fund center will automatically transfer the fund extraction of the loan workers and their spouses according to the repayment of the loan workers' repayment, so that the examination and approval of the center hall of the staff and workers will be omitted.
during the entrusted loan repayment period, the principal and interest that the borrower actually repaid in one year is the upper limit of the amount entrusted to the repayment of the provident fund annually. Borrowers and their spouses (direct relatives of the same account) take part in the Commission at the same time, such as the borrower's accumulation fund account balance is sufficient to extract, first from the borrower's account, when the borrower's account balance is insufficient, and then from the spouse (the same household directly relatives) account to extract the insufficient part, the mutual fund of the two sides is transferred to the designated year. In the account. If the balance of the provident fund account is insufficient, it will be extracted according to the balance of the account.
for example, Ms. Meng has paid provident fund to the Construction Bank, but the loan bank of the provident fund is the industrial and Commercial Bank of China. In the last year, the loan amount was 20 thousand yuan. After Ms. Meng signed a commission agreement, the central provident fund center would automatically transfer the amount of the repayment to the bank account of the loan. That is to say, the automatic repayment of provident fund loans is not affected by the cross - line between deposit banks and loan banks.
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Changqing Pingyin and other districts and counties
the accumulation fund of the district county, such as
Changqing, Pingyin, Jiyang, and other districts and counties, can be directly handled in the local bank of the bank, and do not return to the large office of the central provident fund center of Ji'nan. 28, reporters learned that Ji'nan housing provident fund management center has begun to implement remote approval procedures.
reporters learned that there is only one hall for approval of housing provident fund in Ji'nan, and there is no management department in the county. County residents can only submit the paper materials to the local provident fund management bank outlets, collect a certain amount of materials at the operation points, and then send them to the approval hall. After approval, the agencies are retaken.
specifically, the Construction Bank of Changqing, Pingyin, Jiyang, Shanghe and Zhangqiu, as well as the industrial and Commercial Bank of Pingyin and Zhangqiu, are five places and seven lines. The workers can go through the local payment banks directly, and do not need to go to the service halls of the city.
this business is locally administered by the bank. The staff member applies the application materials submitted by the staff to the housing accumulation fund center through scanning imaging. The person in charge of the Ji'nan housing provident fund management center said that they will send instructions to the bank and the bank directly handle the extraction procedures for the workers. At present, basically, immediate acceptance and immediate payment can be made.
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accumulation of
in order to facilitate the public fund extraction business, the service outlets will be added in the business halls of the north adjacent Tianqiao Construction Bank of the long distance bus station.
the reporter learned that in September 2013 and October, the housing provident fund adjusted the policy of withdrawal, and the use rate of funds appeared in the liquidity problem, at that time the use of funds was as high as 98%. After adjustment, it also caused many people to get together and extract, which once brought greater pressure to the provident fund hall.
with the continuous digestion of policies, from last year until March this year, the order of work in the hall gradually returned to normal. Since April, the number of people coming to the hall has basically stabilized between 300 and 350 people a day, and the waiting time for each employee to handle business is not more than 15 minutes.
"there is only one service hall at present, which has caused a lot of inconvenience to the people." Ji'nan housing provident fund management center in charge of the person in charge of the introduction, in order to solve this problem, they are ready to add service outlets in the business halls of the bridge construction bank in the north of the long distance bus station. At present, equipment procurement and system commissioning are in progress, and strive to complete the preparatory work in June and start business. The specific business is handled by the staff of the provident fund management center in the business hall.
in addition, according to the current situation of fewer service outlets, the Ji'nan housing provident fund management center will open the online business hall in the future, and the inquiries, handling and deposit of the provident fund can be done online.