To reduce
Qilu Evening News
from day to day, the payment of advance payment for the buyers of the provident fund loan is no longer restricted by the number of times. 8, reporters learned from the city housing provident fund management center, provident fund early repayment required 3 clearing provisions have been canceled.
to reduce the repayment pressure of the provident fund borrowers and reduce the loan interest expenditure, the Qingdao housing provident fund management center decided to cancel the limit on the number of repayment times in the notice on the development of the early repayment business (2007) (No. 78). From now on, the provident fund borrowers want to make repayment in advance no longer be subject to 3 restrictions and pay off several times. Other matters are still implemented according to the original documents.
it is understood that in 2007, Qingdao issued a policy in 2007, the abolition of provident fund loan repayment must be a one-time repayment of the provisions, but the borrower in the loan period can only apply for two times in advance payment, the third must be cleared ahead of time.
according to a staff member of Qingdao provident fund, the amount of repayment can be greatly reduced after the number of early repayment is not restricted. The borrower has already returned some of the loan, if the hand still has idle money, you can pay off some of the loans ahead of time, so that the loan principal is reduced, and the interest will be reduced when the repayment is repaid. Previous policy stipulates that borrowers need to repay three times, which aggravates the financial pressure of borrowers. After the abolition of the number of restrictions, the public can reasonably and flexibly use the funds at hand, without worrying about raising funds and lightening the burden.
precautions for early repayment
1, the borrower who conforms to the prepayment conditions of advance must hold the identity card and the mortgage loan contract of the provident fund loan, except the monthly deductions day, the deduction day and the accounting date, that is, the time of 7, 8, 17, 18, 27, 28 days (on holidays). The loan counter can be applied to the loan counter of the administration department to apply for the advance payment. If the borrower cannot handle it personally, the agent must show the valid notarization. If the house has a common property right, the owner of the property should come to deal with it.
2, early part of the repayment of the business at present only use the same term of loan, reduce the way of monthly supply, that is, after some repayment, still according to the original loan term, the original interest rate standard, reduce the monthly return.
3, there is no specific repayment limit for early partial repayment business, but the principal amount of each partial repayment in advance is an integer multiple of ten thousand yuan.
4, because the program can not automatically control the number of repayment times, the management office registration clerk must first check the number of repayment of the service time, to judge whether a partial repayment or must be handled in advance to settle.
5, the registered teller must inform the applicant on the day of application on the same day, if the application is not done on the day, the application will be automatically invalidated, and the registered teller will delete the registration information at the end of the day.
6, when the accounting volume deductions are found, the registered and outstanding documents are found. The document is automatically invalidated and the Registrar does the operation to delete the invalidated documents on the following day.
7, part of the advance repayment of the borrower insurance (market area) fee will not be refunded.