First of all, answer directly.

There are two main ways to repay mortgage with housing provident fund.

Second, the specific analysis

1, monthly fee: that is, the corresponding amount is deducted from the housing provident fund account of the mortgage every month to offset the principal and interest payable in the current month.

2. Annual mortgage: that is, the balance is deducted from the housing provident fund account of the mortgage once a year to offset the principal payable.

Need attention: 1. To handle the repayment of provident fund hedging loans, it is necessary to prepare the purchase contract filed by the real estate administrative department, the housing loan contract signed with the bank and the repayment certificate issued by the bank.

2. In many areas, it is stipulated that the balance of the housing provident fund account of the mortgage must reach 12 times of the monthly repayment amount of the mortgage before hedging repayment can be made.

3. Even if you apply for a mortgage and apply for the provident fund hedging loan repayment business at the same time, after the mortgage is approved, you still need to repay it with your own funds in the first month, and you can start the provident fund hedging loan repayment in the next month.

4. The monthly repayment method is selected for the hedge repayment of provident fund. If the account balance is insufficient to pay the principal and interest payable in the current month, the bank will deduct the money from the repayment bank card to complete the repayment.

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3. Is there a penalty for mortgage payment 30 years in advance?

Whether to charge liquidated damages for prepayment of 30-year mortgage depends on the specific situation, mainly depending on the regulations of the mortgage handling bank.

For example, many banks will stipulate that they must repay in installments on time according to the repayment plan agreed in the contract before they can repay one year in advance. If they operate less than one year in advance, they will be charged a certain penalty.

In this regard, if it happens that you applied for prepayment a year ago, you naturally need to pay liquidated damages; And if it has been over a year, it is estimated that there is no need to pay liquidated damages.

It should also be noted that some banks will extend the time for collecting liquidated damages to three years. If the prepayment is less than 1 year, 3% of the prepayment amount will be charged as liquidated damages; /kloc-If prepayment is made within 0/to 2 years, 2% of prepayment amount will be charged as penalty; In case of prepayment within 2 to 3 years, 1% of prepayment amount shall be charged as liquidated damages; If you repay in advance after 3 years, there will be no liquidated damages.

Of course, some banks directly charge interest for several months as liquidated damages.

If you want to know the specific charging standard, you can directly call the customer service staff of the handling bank.

Second, how does the provident fund repay the mortgage?

There are three ways to repay mortgage with provident fund. One-time repayment method. Withdraw the balance of provident fund from the housing provident fund account and repay the loan at one time. Many people repay their loans in this way after retirement. After repayment, if there are still outstanding loans, the remaining loan principal and repayment period will be recalculated to determine the future monthly repayment amount. Stop lending for a few months. Withdraw the balance of the provident fund account and repay the loan in advance. After repaying the loan in advance, the lender may stop lending for several months. (The time to stop repayment depends on the amount of repayment in advance, but it cannot exceed 12 months. After the repayment period ends, the lender shall continue to repay the loan on a monthly basis. The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after the suspension period. Some property buyers have changed their income at a certain stage (such as illness, childbirth, unemployment, etc.). ), and they often use this way to repay the loan. Monthly repayment method. Withdraw the provident fund directly from the provident fund account every month to repay the loan. When the amount of housing provident fund withdrawn is insufficient, the lender shall make up the repayment amount in time. If you apply to repay the loan with the provident fund, you can apply directly to the loan bank and sign the Power of Attorney for Withdrawing the Housing Provident Fund and Returning the Housing Loan (hereinafter referred to as the Power of Attorney). After the loan principal and interest are settled, the power of attorney will automatically terminate. If one-time repayment is adopted or repayment is stopped for several months, a power of attorney will be signed in May 438+0-March, and the provident fund will be repaid in April-June; Sign the power of attorney in April-August, and repay the loan from the provident fund in September -65438+ 10; If the Power of Attorney is signed in September-June, 65438+February, the provident fund will be repaid in April-June of the following year. If monthly repayment is adopted, the provident fund will be repaid after 3 1 day accepted by the bank. Buyers who use the housing provident fund for personal housing loans, housing portfolio loans or commercial housing loans may apply for repayment of the provident fund. The spouse and immediate family members of the purchaser can repay the loan with their own provident fund. To change the repayment method of the provident fund, it is necessary to apply to the loan bank for a change of entrustment, and sign the Letter of Entrustment for Withdrawing the Housing Provident Fund to Return the Housing Loan. However, the change of the repayment method of the provident fund must be completed after the original entrustment or entrustment has been changed for one year. Before the loan principal and interest are settled, the purchaser can sign the Letter of Termination of Entrustment for Withdrawing Housing Provident Fund and Returning Housing Loan with the loan bank, and handle the termination of entrustment, but it is not allowed to entrust the provident fund to repay the loan again within one year.

Third, how can the provident fund repay the mortgage?

How to use the provident fund to repay the mortgage?

1. If you apply to repay the loan with the provident fund, you can apply directly to the loan bank and return the Housing Loan Power of Attorney (hereinafter referred to as the Power of Attorney). If the power of attorney is valid until the loan principal and interest are settled and repayment is terminated for several months, it can be repaid with the provident fund from June to March, 65438. Sign the power of attorney in April-August, and repay the loan from the provident fund in September -65438+ 10; September-65438+February, and repay the loan from the provident fund from April to June of the following year. If monthly repayment is adopted, the provident fund will be repaid after 3 1 day accepted by the bank.

2, the use of housing reserve housing portfolio loans or commercial housing loans buyers, can apply for reserves, lineal relatives, can be used.

3. If the repayment method of the provident fund is changed, an application for change of entrustment shall be submitted to the loan bank, and a change power of attorney for withdrawing the housing provident fund and returning the housing loan shall be signed, but the reservation shall be made after the original entrustment or change of entrustment is completed for one year. Before the loan principal and interest are settled, the purchaser can sign the "Withdrawal of Housing Provident Fund" with the loan bank to terminate the entrustment, but no savings can be made within one year.

Ways to repay provident fund loans

1, one-time repayment method. Repay the loan in one lump sum from the balance of housing provident fund. Many ways to repay the loan. After repayment, if there are still outstanding loans, the remaining loan principal and repayment period will be recalculated to determine the future monthly repayment amount.

2. Stop repaying the loan and withdraw the balance of multiple households, and repay the loan in advance. Pay the loan for a few months. (The time to stop repayment depends on the amount of repayment in advance, but it cannot exceed 65,438+02 months. After the loan repayment period ends, the lender shall continue to repay the loan on a monthly basis. The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after the suspension period. Some property buyers repay their loans in this way because their income has reached a certain stage. Peida

3. Monthly repayment method. Withdraw the provident fund directly from the provident fund account every month to repay the loan. At this time, the lender should make up the repayment amount in time.

Provident fund refers to the long-term housing savings of state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban enterprises, institutions, private non-enterprise units and social groups. The housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution.

4. How can the provident fund repay the mortgage?

Regulations on the administration of housing provident fund

Chapter IV Extraction and Use

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.