What are the procedures for prepayment of Tianjin provident fund loans? What are the procedures for prepayment of Tianjin provident fund loans? What are the procedures for Tianjin provident fund loan to buy a house and repay the loan in advance?
What are the procedures for prepayment of Tianjin provident fund loans? What are the procedures for prepayment of Tianjin provident fund loans? What are the procedures for Tianjin provident fund loan to buy a house and repay the loan in advance?
How to handle prepayment?
There are two ways to prepay provident fund (portfolio) loans: one-time prepayment of all loan principal and interest and partial prepayment of loan principal. There are no restrictions on prepayment amount, prepayment times and loan time. And there is no requirement to collect liquidated damages.
Go to the loan bank outlet to handle it.
Among them, the provident fund loans handled by Sino-German Housing Savings Bank, Rural Commercial Bank, Bohai Bank, China Bank, Bank of Communications, bank of tianjin, China Merchants Bank, China CITIC Bank, Industrial Bank, Shanghai Pudong Development Bank, Minsheng Bank, Shengjing Bank, Bank of Beijing, Zheshang Bank, binhai rural commercial bank, Industrial and Commercial Bank of China and Agricultural Bank should be handled at the branches and management departments of the provident fund center, and the prepayment of the mortgage part of the combined loan bank should be handled at the loan bank outlets.
The borrower needs to bring the original of his second-generation ID card for prepayment. (If the borrower entrusts others to handle it on his behalf, the original second-generation ID card of the agent shall also be provided. )
note:
(1) The borrower shall avoid the monthly repayment date and handle the prepayment business.
(2) If the borrower fails to repay the loan within the time limit, it shall first deposit the overdue money into the repayment account, and repay part of the loan in advance on the next working day after the loan bank deducts the money successfully.
Balance repayment business
Employees who have applied for provident fund (portfolio) loans in China Construction Bank and paid back the loans normally may apply for withdrawing the balance of their own and their spouses' provident fund (including supplementary provident fund and monthly housing subsidies) and repaying the loans in advance.
Process and materials for handling balance repayment.
The balance repayment business includes the following four links (each link must be handled on the same day):
The borrower (spouse) applies to the bank with the application materials;
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After the bank verifies that it is correct, print the application form and sign and seal it by both parties;
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The borrower (spouse) goes to the sub-center or management department to handle the withdrawal formalities with the application form and application materials;
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The borrower (spouse) goes to the bank to withdraw money for repayment.
Apply for withdrawing the balance of spouse's provident fund account and repay the loan at the same time.
What is the loan process of Tianjin provident fund from 2065438 to 2006?
Now the Tianjin provident fund loan has been opened, and many buyers who work in different places can apply for provident fund loans to buy houses in Tianjin. 20 16 what is the loan process of Tianjin provident fund in different places?
1, for form consultation.
Loan applicants go to Tianjin Housing Provident Fund business outlets to consult and obtain the housing provident fund deposit certificate, which can also be downloaded from Tianjin Housing Provident Fund Network.
Step 2 issue certificates
The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.
Step 3 verify the situation
After receiving the relevant information of the applicant, the handling personnel of Tianjin Housing Provident Fund Management Center verified the deposit of housing provident fund in different places by telephone, fax and online inquiry.
Step 4 open an account
Loan applicants and other employees who need to participate in the quota calculation shall go to the business outlets of Tianjin Housing Provident Fund Management Center with the proof of housing provident fund deposit to handle account opening procedures for employees who have paid loans in different places.
Step 5 apply for a loan
The specific process is the same as the normal application process of Tianjin housing provident fund loan.
What is the process of Tianjin provident fund loan?
Tianjin provident fund loan process
1. Applicant submits loan information.
2, the contractor network admission (3 working days)
3. To undertake the examination and approval of outlets (3 working days)
4, center qualification examination and approval (3 working days)
5. Sign a loan contract (2 working days after qualification)
6. The loan contract shall be sealed by the loan bank (3 working days).
7. Handle transfer and mortgage.
8. The applicant shall submit the loan information when obtaining the property right certificate and the property right registration certificate.
9. The loan information submitted by the undertaking bank is entered into the system and approved (3 working days).
10, central loan approval (3 working days)
1 1. Lending (1 working day)
Remarks:
(1) Entrepreneurial network inputs and Entrepreneurial network reports loan information, both of which require the relevant information submitted by employees to be true, complete and complete before operation.
(2) For the portfolio loan received by the bank, the bank shall submit the information to the undertaking branch for timely entry within 3 working days after receiving all the information.
③ The time limit for handling transfer, mortgage, obtaining real estate title certificate and real estate registration certificate shall be subject to the time limit for handling in the real estate registration center.
④ The examination and approval of the center has three stages, including: examination and approval of the center qualification, examination and approval of the center loan, and * * * it takes 7 working days. (In case of special reasons such as annual interest settlement and year-end settlement, the time for lending may need to be postponed to the next working day. )
Tianjin provident fund loan policy
The payment of housing provident fund is a great boon to those who need to buy a house. The state has introduced a series of measures to improve our housing problem, among which the provident fund loan policy is one of the measures, which has given greater support to the understanding of buying a house and greatly increased people's pressure to buy a house. Let's take a look at the content of Tianjin provident fund loan policy with a usage map.
1. What is the Tianjin provident fund loan policy?
The basic conditions for applying for provident fund loans are:
1, with permanent residence in this city or other valid residence status in this city;
2. Have full capacity for civil conduct, have a stable occupation and income, have the ability to repay the principal and interest of the loan, and have good credit;
3, did not reach the statutory retirement age (otherwise stipulated by the state can be extended, according to its provisions, but not more than 65 years old); The legal retirement age is generally 55 for women and 60 for men;
4. Open a housing provident fund account for more than 1 year, and continuously deposit the housing provident fund for more than 1 year before applying for a housing provident fund loan, and the employer does not owe it;
5. I have no outstanding provident fund loans;
6. Purchase, build, renovate and overhaul self-owned houses within the administrative area of this Municipality; Among them, the construction, renovation and overhaul of self-owned housing refers to the construction, renovation and overhaul of self-owned housing by workers on rural collective land; The construction and renovation of houses must have the approval documents of the planning and land management departments; Overhaul housing, there must be a document approved by the planning and management department.
Workers have used their spouses' housing provident fund to apply for housing provident fund loans, and spouses cannot apply for housing provident fund loans before the loans are paid off.
Second, the loan process
(1) Personal data
Borrowers should provide personal information when applying for loans, and also provide relevant information if they have spouses, minor children or other buyers.
1. Borrower and spouse
1) ID card of the borrower and spouse (if the ID card is lost or expired, provide a photo ID card issued by the household registration administration department in temporary id card or the place where the household registration is located) and 4 copies. If the spouse is an officer or soldier, provide an officer's card or soldier's card and 3 copies; If the spouse is a non-China citizen or an overseas Chinese from Hong Kong, Macao and Taiwan, a passport and 3 copies shall be provided.
2) The household registration book or marriage certificate issued by the civil affairs department and 3 copies.
3) Housing accumulation fund of the borrower and spouse.
4) The official seal of the borrower and spouse.
5) Two copies of the borrower's residence booklet or blue printed residence booklet or temporary residence permit.
20 16 what is the loan process of Tianjin provident fund?
Now Tianjin has implemented the expected annualized interest rate of new loans, and the expected annualized interest rate of new loans has dropped a lot. Many people want to borrow money to buy a house at this time. If they pay the provident fund, they will choose the provident fund loan to buy a house. So, what is the process of 20 16 Tianjin provident fund loan?
1, the borrower fills in the application form at the housing provident fund management center;
2, provident fund center to review the loan qualification;
3. The undertaking bank accepts the loan application;
4. The undertaking bank signs loan contracts and mortgage contracts with the borrower and the sales unit respectively;
5, provident fund loan center for approval;
6. The borrower handles mortgage registration and real estate insurance;
7. Undertaking bank loans;
8. The borrower repays the loan in full as agreed;
9. Clear the household.