@ Everyone, the balance of the provident fund can be repaid directly!
Sunshine Chongqing News, recently, many citizens consulted: "When can the balance of housing provident fund in Chongqing offset the loan repayment on a monthly basis?"
In fact, Chongqing has realized that the provident fund has offset the loan repayment on a monthly basis. The municipal housing provident fund management center has publicly replied through Sunshine Chongqing: In order to further facilitate employees to withdraw housing provident fund, simplify the withdrawal procedures and improve the handling method of withdrawal business, the municipal housing provident fund management center has opened the function of monthly repayment of provident fund loans.
What is the provident fund "paying back the loan on a monthly basis"?
The provident fund "repays the loan on a monthly basis" means that the balance in the provident fund account is regularly offset against the principal and interest of the provident fund loan in the current month through the provident fund system.
Simply put, it is to use the money in the provident fund account to directly repay the mortgage.
Who can apply for "loan repayment"
Employees who have opened the online withdrawal of housing provident fund loans can apply for the signing of "monthly repayment" of provident fund loans.
How to repay the loan?
Pure provident fund loan: during the repayment period, the balance of the employee’s personal provident fund account is used monthly to directly offset the repayment amount of the provident fund loan in the current month on the mortgage repayment date, and the insufficient amount is still deducted from the employee loan repayment card.
Portfolio loan or discount loan: During the repayment period, the borrower and spouse agree to withdraw the housing provident fund once a month, and the monthly withdrawal amount is the loan principal and interest repaid in the previous month.
What ways can I handle it?
Online service platforms, such as Chongqing Housing Provident Fund WeChat WeChat official account and Personal Web Hall, can be used to self-help the provident fund loan to repay the loan on a monthly basis. If the online service platform cannot handle this business, you can try to apply for the counter.
At present, under the guidance of the staff of the Municipal Housing Provident Fund Management Center, the reporter successfully signed the contract of "monthly repayment" of the provident fund.
How to independently handle the monthly repayment contract of provident fund? Take the signing method of WeChat official account via WeChat of the municipal housing provident fund as an example.
01
Click "Personal Center" in the lower left corner, and select the first column to enter "User Center".
02
Click "Self-service" to enter "Business Handling".
03
Select "public loan agreement extraction contract" in the "extraction business" column.
04
After reading the Personal Commitment carefully, select "Agree", select "Sign" in the signing interface, check the house and loan information clearly, click "Submit", and record the face recognition video according to the operation instructions to sign the contract.
Warm reminder: It is suggested that employees should keep the repayment funds for more than one month in the loan repayment card after signing the contract of "monthly repayment" of provident fund to avoid overdue repayment.