Provident fund can automatically enter repayment account Ji'nan pilot construction behavior
18 day, the Ji'nan housing provident fund management center, the United Nations Construction Bank, officially launched a new business: the provident fund will automatically transfer to the borrower's repayment account every year, as long as it meets the conditions and sign the relevant agreement, for the repayment of the housing loan principal and interest. . The withdrawal of loans is regularly handled once a year. It is reported that the development of this business is still the first in Shandong province.
it is understood that, after the opening of this business, all workers, workers and their spouses and the same account for more than 3 years (including) in the administrative region of Ji'nan can go to the service hall of the management center through the Construction Bank of the Construction Bank to deposit housing provident fund and to deal with the purchase loan in the Construction Bank, the loan principal and interest have not been paid back and the repayment period is more than 3 years (including) and their spouse and the same account. To apply for entrustment to withdraw and repay the loan.
during the entrusted loan repayment period, the balance of the principal's housing provident fund account is extracted every July for repaying the housing loan. The amount of principal and interest that the borrower actually repaid in one year is the upper limit of the annual repayment amount of the provident fund. 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 from the borrower's account first. When the borrower's account balance is insufficient, the deficit is extracted from the account of the spouse (the direct relatives of the same household), and the mutual funds extracted by both sides are transferred to the designated account. Indoors. If the balance of the provident fund account is insufficient, it will be extracted according to the balance of the account.
it is reported that the repayment of the loan is regularly handled once a year, and the bank is automatically transferred into the special account of the employee's repayment of the loan in the last 10 working days of the employee's housing provident fund account in the previous year, according to the actual amount of the loan in the previous year.
Li Kan, deputy director of Ji'nan housing provident fund management center, in order to facilitate the extraction of housing provident fund for the repayment of housing loans, Ji'nan housing provident fund management center in November last year with the Construction Bank as a pilot, increased housing provident fund entrustment payment and housing loan business.
reporter Yu Wen Ji'nan housing provident fund management center to build a pilot project, the increase of housing provident fund entrustment and reimbursement of housing loan business, since the pilot last November, the operation was relatively smooth. How to deal with the entrustment and repayment of the loan? What materials should be provided when the borrower applies for entrustment? Li Kan, deputy director of Ji'nan housing provident fund management center, explained in detail.
the client does not need to return the examination and approval form
Li Kan introduced the specific process: the client carries the relevant information to the management center or the bank for the application, the signing of the agreement, the bank to the applicant and the information provided by the applicant and the information to be checked. When the borrower applies for entrustment, the information should be: (1) the loan contract; (2) the purchase contract; (3) the loan record in the near future; (4) the original and copy of the identity card; (5) the marriage (or the immediate family) proves the original and photocopies. After the entry into force of the
, the bank will be divided into a special account for the repayment of the loan from the employee's housing provident fund account in the 10 working days before July every year in the account of the actual repayment of the loan in the previous year. "
Li Kan said," the client who has handled the entrustment to repay the loan does not need to go to the unit to fill in the 'housing provident fund support voucher' and 'the housing provident fund application approval form'.
must ensure that the normal deposit of housing provident fund
there are five principles in principle: the client must guarantee the normal payment of its housing provident fund; the borrower's credit is good before the process of entrusting the loan, and the application is not overdue. After the loan procedure, the borrower may not move the provident fund to the bank's repayment account for his use, and should ensure that the loan should be paid on schedule; after handling the Commission, the borrower must promptly master the bank's repayment account. When the balance is insufficient, the borrower should be replenished in time, otherwise the deductions are not due to the overdue, and all the liabilities are borrowed from the loan. The person is responsible for the change of the client's loan information (the fund account, the marriage relationship, the loan card or the discount number), and should go to the management center or the bank to deal with the change procedures in time.
will carry out business in more banks
Li Kan said, the next step on the CCB pilot basis, gradually improve the information system and fund security allocation system, in more banks to carry out this business, more convenient to deposit workers to deal with the loan business.
five cases, entrustment to withdraw loan automatically terminate
Li Kan said, entrustment to withdraw loan if one of the following cases, entrustment payment will automatically terminate: the borrower and other principal's housing provident fund account has been sold; all settlement of housing loan principal and interest; loan contract expiration; mention The housing provident fund will be transferred to the sealed storage management households; the housing provident fund policy has undergone a major adjustment.