Ji'nan provident fund to repay loan business trial run account balance directly offset loans
Qilu network
recently, Ji'nan housing provident fund management center issued detailed rules, clear housing provident fund to repay loan business, personal residence The balance of the housing provident fund account can be directly used to repay the public loan, which will change the original process of paying back the money first.
reporter learned that Ji'nan housing provident fund loan service will be run from July 20th to October 31st. During the trial operation, all the loan service needs to be made online.
provident fund and new policy: the account balance can be directly reimbursed to the loan without paying the money first and then raising the money
to repay the loan business, which means that the deposit workers can apply for the balance of the individual housing provident fund account to the personal housing provident fund loan.
specifically, in accordance with the current policy, if the public loans and workers want to use the balance of the fund account balance in advance, it is necessary to raise funds and loans, and then take relevant vouchers to extract the balance of the provident fund account. However, after the implementation of the fund's new deal, the workers do not need to raise funds in advance to make loans, but can directly use the existing balance of existing individual housing provident fund accounts to compensate for the individual housing provident fund loan. Reporters from Ji'nan housing provident fund management center learned that the loan service, will change the first to pay the money and then the process of money, in fact, to solve the workers in advance return to the loan needs to pay the repayment of funds.
for example, the balance of Mr. Wang's personal housing provident fund account is 80 thousand yuan, and the individual housing provident fund loan has been repaid for a year and 20 thousand yuan a year. In accordance with the current extraction policy, Mr. Wang can go through the extraction procedures according to the repayment of the loan, and the amount of extraction shall not exceed 20 thousand yuan in the actual repayment period of the repayment period. Take the remaining 60 thousand yuan, you need to raise 60 thousand yuan to repay the loan before you can withdraw the balance in the account. However, after the implementation of the provident fund to repay the loan business, Mr. Wang can entrust the central provident fund center to withdraw 60 thousand yuan from the provident fund account to repay the individual housing provident fund loans, more effectively using the individual housing accumulation fund balance to repay the loan.
repayment of the loan business: first make an appointment and then deal with a
reporter to know that each employee can deal with the loan service once a year, and the two time interval is not less than 12 months, and the amount of each application should not be lower than the current 12 months of the loan. The amount of money, except for the settlement of the loan.
the specific process of paying employees to deal with the loan service is:
first, after the deposit workers are registered on the official website of the central provident fund center, they apply for an appointment to repay the loan business. According to the personal housing provident fund account information and the participation of the housing provident fund loan information according to the system, we choose the loans to be returned, determine the time and place, and send the information of the appointment, the time and the location to the mobile phone number of the employees registered.
then, pay the service outlets for the reserve fund extraction service within the time limit of the reservation by the reservation number to the reservation of the reserve fund [the housing provident fund service hall (at 9:00 to 17:00 at 9:00 to 17165) and the Tianqiao branch. Housing provident fund to repay the loan business.
this business is limited by statutory working days, but online booking can be conducted on holidays.
reporter learned from the Ji'nan housing provident fund management center that after the completion of the trial operation period (after October 31, 2015), the staff and workers can not have to make an appointment, in the working day, directly to the provident fund hall, the bridge extraction network to deal with the loan service.
credit loan business policy interpretation:
[handling group] using housing provident fund to repay the loan business in Ji'nan housing provident fund management center (excluding electricity, Jigang, railway provident fund sub center) within the scope of the development. The staff of the housing provident fund in Ji'nan housing provident fund management center may apply for reimbursement of the housing provident fund loan applied in the central provident fund center.
the employees who can apply for the payment of the housing provident fund to repay the loan business include the borrowers and spouses applied for the repayment of the loans and the other persons registered in the housing provident fund loan system.
[required material] borrowers and spouses shall provide the original and copy of my ID card and the seal of the Ji'nan housing provident fund extraction application examination and approval form. The original and copy of my ID card, the original and seal of the borrower's identity card, and the seal of the unit, and the seal of the unit, "Ji'nan live" The examination and approval form for the extraction of housing provident fund.
[warm hints] there are several individual housing provident fund accounts, which must first deal with the account merger procedures;
housing provident fund loan state must be normal. If there is a overdue loan that has not been repaid, it is necessary to make an appointment for the loan service for second days after reimbursement;
some workers for premarital loans. Money, provident fund loan system not registered spouses information, later spouses to deal with the loan service, the first to the housing provident fund loans to the bank to deal with the loan information change, and then the online reservation operation;
deposit workers after finishing the loan service, has cleared all the loan principal and interest, can go to housing Provident fund loans to the banks to deal with the mortgage procedures; loans have not been clear, the need for new housing provident fund loan repayment plan on time to repay the housing provident fund loan principal and interest.