Ji'nan's provident fund is expected to push a new deal before the end of the year.
in the extraction of provident fund balances and mortgage, the current policy of Ji'nan is limited. In May 5th, the reporter learned from the Ji'nan housing provident fund management center that the center will introduce the fund "to repay the loan" before the end of this year, to simplify the formalities of the early repayment of the eligible citizens.
current policy: in advance, we need to pay back money and then raise money
"my provident fund account has 100 thousand yuan, but can not directly transfer the mortgage, want to repay the loan in advance, we must borrow money first, can extract personal account housing accumulation fund, fund raising is a little difficult." Mr. Li, the citizen, said.
reporter interviewed that Mr. Lee bought a housing loan the year before, and the loan needed to be paid 2000 yuan a month. At present, the total repayment is 24 thousand yuan. According to the current policy of Ji'nan, there is a "public loan" in the body of the citizens, according to the agreement of the loan contract for each repayment of one year after the payment of a housing provident fund, the two time interval of not less than 12 months, the total amount of extraction must not exceed the repayment of the repayment of the loan of the interest rate. That is to say, Mr. Li can withdraw about 24 thousand yuan of provident fund with the corresponding repayment voucher. However, the remaining 76 thousand yuan in the provident fund account can not be raised. If we want to use this part of the fund to repay the loan ahead of time, we must first withdraw it after repayment.
concretely speaking, the borrowers who want to pay loans in public loan need to raise funds themselves in various ways. "I want to withdraw the remaining 76 thousand yuan in the balance. I need to borrow this number first." Mr. Li said. After the repayment of 76 thousand yuan of funds, Mr. Li can get the corresponding advance payment voucher before he can withdraw the account balance from the withdrawal window. Then Mr. Li returned the funds he had removed to his friends. On the whole, there's a little circle.
the new deal at the end of the year: can be directly into the loan account
"before the end of the year, our center will launch the" loan repayment "business, want to advance the public fund loans to the public, will change the 'first pay the money and then raise money' original process." Ji'nan housing provident fund management center responsible person told reporters.
when the balance of the public provident fund account reaches a certain amount, it is necessary to advance repayment and sign a trust agreement to the Ji'nan housing provident fund management center. The application for "loan repayment" business can be entrusted to the central provident fund management center to withdraw the housing accumulation fund from its personal account to its loan account, which is used to return the housing provident fund loan, without the need for self financing to return the fund after the repayment of the loan, and the borrower's capital pressure is reduced.
what is the housing provident fund to repay the loan? In the big concept, that is, a certain amount of the staff of the public housing provident fund center with a certain amount of provident fund in advance is used to directly reduce the housing accumulation fund loan with the housing accumulation fund in its personal account, for short, "to repay the loan".
"rush to repay the loan" business is actually solving the problem of early repayment of housing provident fund loans for the public to advance the repayment of funds. The official said that this business is also one of the real affairs of Ji'nan housing provident fund management center this year. At present, the relevant rules are being formulated, and the rules will involve the use of the people, the time control of early repayment, and the corresponding procedures. "The corresponding system of the provident fund management center will also be adjusted, which is expected to be launched by the end of the year." The person in charge said.
related news
nearly 10000 people to deal with the provident fund to withdraw loan
5 day, the reporter learned from the Ji'nan housing provident fund management center, since the provident fund has been launched to extract loan services, more than 9600 people have handled the business.
Ji'nan housing provident fund management center, the person in charge said, 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. 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, and the employee's provident fund is entered into the personal accumulation fund account of the staff and workers. The staff and workers do not need to go to the hall every year.