How to fill in the Jinan provident fund entrusted by the bank?

1. How to fill in the entrusted bank of Jinan Provident Fund?

Fill in the loan bank.

The entrusted bank of housing provident fund refers to the commercial bank designated by the Housing Provident Fund Management Committee according to the relevant provisions of the People's Bank of China (hereinafter referred to as the entrusted bank). The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts.

Second, the provident fund trustee bank

Banks that can apply for provident fund loans:

Housing provident fund loans can be applied at the outlets designated by any of the eight banks, including China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, China Bank, Bank of Communications, Nanjing Bank, China CITIC Bank, China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank, Minsheng Bank, Ping An Bank, Huaxia Bank, China Everbright Bank, Jiangsu Bank, China Guangfa Bank, Zijin Rural Commercial Bank and Postal Savings Bank.

Provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses;

7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;

8 overhaul housing, approved by the planning and management department;

9. Being able to provide effective guarantee recognized by the management center;

10. Other conditions stipulated by relevant laws, regulations and policies.

3. What are the banks entrusted by the provident fund?

Banks that can apply for provident fund loans:

Banks designated by China Construction Bank, China Industrial and Commercial Bank, Agricultural Bank, China Bank, Bank of Communications, Nanjing Bank, China CITIC Bank, China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank, Minsheng Bank, Ping An Bank, Huaxia Bank, China Guangfa Bank, Zijin Rural Commercial Bank and Postal Savings Bank can apply for housing provident fund loans.

Provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, continuous, full) or above and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. If you buy a house, you have paid no less than 30% of the total house price.

6. Certification documents of 30% of the total cost of newly built, rebuilt, large-scale, renovated or overhauled houses;

8. Overhaul the house and cooperate with the planning management department.

9. Being able to provide effective guarantee recognized by the management center;

10. Relevant laws and regulations,

4. What is the difference between the provident fund trustee bank and the unit deposit account?

They come from different sources. Deposits mainly come from depositors' own accumulation, which may be salary income or business income, while the source of housing provident fund is to save half according to the proportion of wages, and then the company will supplement the other half. They have different uses. Deposits can be freely controlled by depositors, but the provident fund must be used in accordance with regulations, such as buying a house and paying property fees.

It can only be extracted and used when waiting. The interest rates are different. The deposit interest rate is that the bank rises according to the benchmark interest rate stipulated by the state, while the provident fund deposit interest rate is stipulated by the state. Usually the deposit interest rate of provident fund

The interest rate is much lower than that of ordinary deposits. The two are different in nature, and the ownership of ordinary deposits belongs to individuals, and there is no mutual assistance relationship. Provident fund deposit has the nature of welfare, which is mainly used to adjust and meet the housing needs of employees, and it is mutual assistance. Their deposit management institutions are different. The management institution of ordinary deposits is banks, and the management institution of provident fund deposits is the provident fund centers in various places. Their collection requirements are different. There are no conditions for the collection of deposits, and banks must pay unconditionally. The accumulation fund can only be collected in two situations: one is to meet the prescribed conditions of use, and the other is to be collected after retirement.