Can I use the provident fund to repay the loan owed to the bank?
Users can withdraw the provident fund as long as they meet the withdrawal conditions. As for the use of funds, the provident fund center generally does not audit. Therefore, it is theoretically feasible to repay the loan with the money from the provident fund. Of course, if users intend to apply for provident fund loans, then it is best not to withdraw provident fund, because the balance of provident fund will affect the amount of provident fund loans.
For users, provident fund is the most cost-effective way to apply for mortgage, followed by hedging business, using provident fund to repay mortgage.
Can I withdraw the provident fund if I have more debts?
If you have more debts, you can withdraw the provident fund. Users can apply for withdrawal of provident fund normally as long as they meet the conditions for withdrawal of provident fund. As for whether there is a loan under the user name and whether the debt ratio is high, these factors do not affect the user's withdrawal of the provident fund. Of course, after submitting the withdrawal application, you still need to pass the audit, and you can successfully withdraw the provident fund through the audit.
The amount that can be withdrawn is different for different reasons. If you choose to rent a house for withdrawal, the amount and times you can withdraw each year are limited.
Is housing accumulation fund popular in China?
Housing provident fund is paid in different regions, and the regulations of housing provident fund management centers in different regions may be different, so housing provident fund cannot be used nationwide.
Basically, where the housing provident fund is paid, it can only be used in one place. Only some cities have opened the off-site provident fund loan business, and the housing provident fund between cities within the scope of provident fund exchange can be universal.
If employees are not sure whether their housing provident fund can be used in other areas, they can call the local housing provident fund management center.
Can I return my credit card with my provident fund?
Can I return my credit card with my provident fund?
There are many reasons for receiving the provident fund, such as renting a house, which can be collected in other names or for other purposes, but paying back the credit card is not the reason.
Can I repay my credit card with the housing provident fund loan?
It's the first time I've heard that loans are paid back to credit cards. The question is, will the bank lend you money? How long have you owed it? It will have a bad record!
Can the provident fund repay ICBC credit card 3000 yuan?
No, because the country has a strict provident fund management system, which is generally earmarked.
Can the housing provident fund directly repay the credit card arrears?
You can't.
Provident funds can only be used to pay for housing loan repayment or purchase withdrawal.
Can't directly repay the bank credit card debt.
Can I use the provident fund to pay off my credit card debt?
Yes, but it will be dark. First, the bank should sue the court and ask the judge to deduct the housing provident fund. The court will support it. The problem is that the bank will sue you. . . I did it in March, and now the minimum repayment amount of credit card has been cancelled, and I can't afford the minimum repayment amount. I deliberately didn't let the bank sue. I don't want to buy a house anyway. I'll think about it myself. No loans for 7 years.
Can I repay my credit card with provident fund?
Not at present.
Can the housing provident fund pay back the credit card?
I can't.
Housing provident fund use:
Use 1: buying a house
If you don't borrow money to buy a house, you can withdraw the provident fund at one time; Commercial loans can draw provident fund for down payment; Commercial loans to buy a house can be withdrawn from the provident fund to repay the principal and interest; Provident fund (portfolio) loans can be used to withdraw provident fund to repay principal and interest.
Use 2: Building renovated and overhauled houses.
In rural collective land construction, renovation, overhaul of their own housing and the use of housing loans, employees and their spouses can apply for withdrawal of the amount of provident fund before the month of building approval (including the month), and the total withdrawal does not exceed the cost of building.
Use 3: renting a house
The use of provident fund to pay rent or government rent subsidies for economic rental housing rent; Pay the market rent with the provident fund.
Use 4: Parents buy houses for their children.
If you buy a house by yourself and don't use a housing loan, you can withdraw your parents' provident fund; Use a personal housing loan from a commercial bank to purchase your own house, and you can withdraw your parents' provident fund after paying the down payment; Buy your own house with a personal housing provident fund (portfolio) loan, and you can withdraw your parents' provident fund after paying the down payment.
Usage 5: You can withdraw all the balance after closing the account.
The loan owed to the bank is still not up, can I withdraw the housing provident fund for repayment?
It is basically not feasible. General housing provident fund loans can only be withdrawn at retirement, and can also be used when renting or renting a house. Generally speaking, things that can only be used for houses can be used to repay loans and the like.
Bank loans overdue will not provide it for the time being. Can I apply for repayment with the housing provident fund?
The bank is in loans overdue, but it is temporarily unavailable. In this case, it is impossible to apply for repayment with the housing provident fund. Housing provident fund can only be used for housing-related matters such as house purchase and house decoration, and cannot repay bank loans.