A new policy for the extraction of provident fund
toutiao.com
all the time, the extraction of provident fund has become a topic of concern for the common people. This year, the property market policy has again become confusing. If the fund is to be extracted now, what links should be paid attention to?
provident fund can be used to treat major diseases except in commercial loans to pay the first payment and repayment of the principal and interest. When the family members who bought the provident fund have suffered major diseases or do heavy hands, the staff and workers can apply for the extraction of provident fund. . In addition to these, we do not forget, in fact, provident fund can be used to rent, we pay 6 months, every three months, we can apply for the extraction of a provident fund to rent, but the amount of accumulation fund can not be more than three months deposit of the amount of provident fund.
generally speaking, the bank's demand for the borrower's income is not more than half of the income of the borrower's family. If it exceeds, even if the income is not reached, the application for the fund will be rejected by the bank. Provident fund loans have the characteristics of low interest rates. Therefore, when buying housing loans, the employees who have provident fund, the first consideration is to use provident fund loans. Provident fund loans have certain requirements, for example, before buying a loan, they must pay a certain amount of time in full. The borrower should carry out the relevant information to the housing provident fund management organization to apply for the loan application to meet the loan conditions, the application information is complete and correct, the housing provident fund management organization should accept, and complete the face-to-face visa and other matters to not meet the loan conditions or information is not complete and incorrect, the housing provident fund management agency is not It is accepted or required to correct and explain the reasons.
the housing provident fund management agency, within 7 working days from the date of accepting the application, completed the examination and approval of the loan review, made the decision to grant the loan or no loan, and notified the borrower of the special circumstances, and could extend the 5 working days by the approval of the principal responsible person of the housing provident fund management organization. The entrusted loan financial institution should complete the loan within 5 working days after the borrower has completed the formalities, and the loan funds should be paid to the seller, the house collector, the construction enterprise (individual) or the third party bank account agreed upon by the two parties according to the use. In real life, provident fund loans are more common. Foreign loans, while meeting the above conditions, we need to see whether the provident fund deposit and the location of the purchase have signed the loan agreement of the provident fund.
in adjusting the monthly repayment amount, it can also be processed through the whole network. If the borrower needs to adjust the monthly payments, settle the loan in advance, and change the repayment account, there is no material, directly in the online business hall, and no further to the bank counter. The borrowers who use the free repayment method only need to input the new monthly repayment amount to adjust flexibly on the basis of not less than the minimum monthly repayment amount. When a borrower changes his repayment account, he only needs to input other savings account cards that I have opened at the lending bank.
2018 year 5 month 15 day, the people of Beijing to fund balance inquiries and loans by Alipay and Beijing fund app.
2018 October 1st, the Shanghai workers can use the housing lease public service platform for the record of the net, the housing provident fund can be extracted to pay the rent. The monthly amount of each household can not exceed the actual rent, the maximum can be extracted 3000 yuan.
2018 since March 28th, the Zhejiang provident fund units outstanding workers face recognition by mobile phone, you can apply for the purchase of Alipay in the extraction, extraction, extraction of real retired business.