How can Yantai mobile phone repay the provident fund loan?

1. How can Yantai mobile phone repay the provident fund loan?

Method:

1, online unnecessary processing method

(1) WeChat official account repayment

"Yantai Housing Provident Fund Management Center" WeChat official account → business handling → repayment → partial repayment/early settlement.

(2) Mobile APP repayment

Love Shandong APP→ housing provident fund service hall → provident fund loan business processing → early repayment/early settlement.

Yantai Yitong APP→ Provident Fund Zone → Provident Fund prepayment/Provident Fund loan settlement in advance.

(3) Repayment by official website

Yantai Housing Provident Fund Management Center official website (website:/) → Personal business entrance → Login → Repayment → Partial repayment/early settlement.

Two, Yantai new commercial housing housing provident fund loan guide

Guide for handling housing provident fund loans for new commercial housing in Yantai

Materials to be submitted:

1. Yantai housing provident fund personal housing loan application form in duplicate.

Fill in the requirements:

Please use a black pen.

☆ Personal information should be filled in each blank.

☆ * * * Same borrower: refers to the individual (including spouse) who purchases the house together with the borrower and has the same repayment obligation. If not, there is no need to fill it in.

☆ Purchase situation: All the information filled in is in the Commodity House Sales Contract.

☆ Fill in the purchase amount and down payment amount truthfully.

☆ The signatures of the applicant, spouse, * * and borrower in the application form need to be signed by myself.

2. Proof of identity and marriage (provided by the applicant, spouse and borrower)

(1) Original ID card; (Electronic license is available)

(2) Original household registration book (home page and permanent population registration card provided by family households and permanent population registration card provided by collective households);

(3) The original proof of marital status, including marriage certificate (electronic certificate can be used), divorce certificate (electronic certificate can be used), divorce agreement, divorce judgment (mediation), etc. ;

☆ If the death of the spouse has not been cancelled, the original death certificate shall be provided.

3. Proof of down payment

Original General Invoice of Shandong VAT (down payment)

4. Real estate transaction certificate

Two originals of the commercial housing sales contract.

★ To purchase a newly-built commercial house, you should apply for a housing provident fund loan within 12 months after the online signing of the sales contract.

★ When the materials are ready, please arrange them in the order of 1-4. The application will be accepted immediately and the approval will be completed within 2 working days.

★ Friendly tips

I. Loan Amount and Term

Within the maximum amount of individual housing loan from the housing accumulation fund in our city (700,000 yuan for the purchase of ultra-low-energy assembled and passive self-owned housing and 600,000 yuan for other housing), the loan amount is determined according to the lowest value of the following three calculation results.

(a) the loan amount is calculated by multiple of the normal deposit balance in the housing provident fund account.

Calculation formula: loan amount = (normal deposit balance of the borrower's housing provident fund account * * and the applicant's housing provident fund account) ×20 times.

(2) The loan amount calculated according to the prescribed down payment ratio.

The loan amount shall not exceed 70% of the property value, and the down payment ratio shall not be less than 30%;

(three) the loan amount is calculated according to the loan repayment ability.

Calculation formula: (monthly repayment of housing provident fund loans, commercial loans, secured loans and other loans)/(the borrower's monthly income is the same as that of the applicant) ≤50%.

If the loan amount calculated by the loan applicant according to the normal deposit balance of the housing provident fund account is less than 200,000 yuan and meets the calculation results in items (2) and (3), the loan amount shall be determined according to 200,000 yuan.

The longest loan period is 30 years, and the age loan period: men are no more than 65 years old and women are no more than 60 years old.

Second, differentiated credit policies. The number of housing units is determined by the policy of "recognizing the house but not the loan". "House" refers to the housing situation owned by the borrower's family (including the borrower, spouse and minor children) within the administrative area of Yantai City, and "loan" refers to the borrower's family housing provident fund loan record and outstanding commercial housing loan record. After the first set of provident fund loans is paid off, you can use the housing provident fund loans to buy the second suite again. It is not allowed to issue housing provident fund loans to paid workers' families who have purchased the third and above houses or have used housing provident fund loans twice.

1. In any of the following circumstances, it is deemed that the applicant's family has purchased the first set of housing and implemented the first set of housing provident fund loan policy:

(1) There is no record of outstanding commercial personal housing loan;

(2) There is no housing in the administrative area of Yantai.

2. In any of the following circumstances, which do not belong to the circumstances listed in Article 3, it is deemed that the applicant's family has purchased a second set of housing and implemented the second set of housing provident fund loan policy:

(1) has housing in the administrative area of Yantai;

(2) There are outstanding commercial personal housing loan records;

(3) There are outstanding commercial (provident fund) personal housing loan records and a set of housing in the administrative area of Yantai City, and they are the same set of housing.

3. No loans will be issued for the purchase of the third and above houses:

(1) There are two or more houses in the administrative area of Yantai City;

(2) There are two housing provident fund loan records;

(3) There are two or more outstanding commercial personal housing loans;

(4) There is an outstanding commercial personal housing loan record and there is a set of housing in the administrative area of Yantai, which is not the same set of housing.

Third, loan repayment.

1. The 20th day of each month (postponed every holiday) is the deduction date of provident fund loan, and the borrower shall deposit it into the repayment account in full before 19 of each month.

2. After completing the first repayment, you can apply for prepayment from 1 to 19 every month without penalty interest.

3. Monthly loan repayment business, which will be applied in the current month and take effect next month. Automatically transfer the balance of the applicant's provident fund deposit account to repay the principal and interest of the provident fund loan on the 20th of each month (postponed on holidays), and deduct the insufficient part from the borrower's bank repayment account.

4. In case of interest rate adjustment during the loan period, the new interest rate will be implemented from the following year1October 65438+ 1.

Fourth, the repayment method.

There are two repayment methods: equal principal and interest and average principal. /kloc-After 0/2 months of normal repayment, you can apply to change the repayment method once. Repay the loan principal and interest in equal amount every month, with the interest decreasing month by month and the principal increasing month by month; The average capital keeps the monthly repayment principal unchanged, and the interest decreases month by month. Under the same conditions, the average capital method can save more interest, but the pressure of early repayment is greater; The equal principal and interest method keeps the monthly repayment amount unchanged and stable, but pays more interest. (Example: 450,000 yuan, with an annual interest rate of 3.25%, for 30 years, the interest paid by average capital is about 35,050.35 yuan less than the equivalent principal and interest).

☆ If the address and contact information of the borrower, spouse and borrower * * * changes, they shall promptly inform the provident fund center to make changes.

Provident fund consultation hotline: 12329

Yantai Housing Fund Management Center: 6669257

Zhifu District: 2 1 18909 Development Zone: 6 1 13 194.

Laishan: 6906393 Fushan District: 2 130667

Muping District: 8947089 Changdao County: 32 12 102

Laiyang: 72 14683 Haiyang: 3 107705

Qixia City: 3375569 Longkou City: 8577880

Penglai: 3355355 Laizhou: 2 170909

Zhaoyuan City: 8225550 High-tech Zone: 6922064

3. How does Yantai buy a house with a housing reserve loan?

According to the area where you buy a house, your age and the monthly deposit base of your provident fund, decide your loan amount and loan period. You can buy a house as long as you pay social security for one year in Yantai. After paying the down payment when buying a house, both parties can apply for a loan at the provident fund management center with their ID cards, household registration books, marriage certificates and income certificates.

4. Can the provident fund loan be withdrawn?

Provident fund can withdraw the balance of 500 yuan every six months. . As for what you take as a provident fund loan, you can actually enjoy the lowest interest rate. What you take out is nobody's business.