How to take the initiative to repay if the deduction of provident fund loan fails?

How to deduct the monthly provident fund?

Provident fund repayment is automatically deducted, and the lender needs to deposit the monthly repayment amount into the provident fund repayment account, and the bank will automatically deduct the amount on the monthly repayment date.

Matters related to provident fund loans

1. Loan amount: the purchase of commercial housing shall not exceed 70% (below seven floors) or 60% (above seven floors with small high floors or high floors) of the contract price of the purchased property; The purchase of second-hand houses exceeds 60% of the agreed house price and does not exceed 60% of the appraised house price; The maximum loan amount does not exceed 300,000 yuan.

2. Loan term: The loan term of individual housing provident fund shall not exceed 30 years for purchasing commercial housing and 20 years for purchasing other housing, and the sum of the borrower's age and the loan application period shall not exceed his legal retirement age.

3. Loan interest rate: The loan interest rate of individual housing provident fund shall be subject to the national housing provident fund loan interest rate standard. If the loan term is less than one year (including one year), the contract interest rate shall be implemented. If the contract interest rate is adjusted, the interest will not be calculated in installments.

Legal basis: Notice of the State Council Housing Fund Management Center of Municipal Affairs Bureau of Central State Organs and Beijing Housing Provident Fund Management Center of Central State Organs on Free Repayment of Housing Provident Fund Loans.

1. Since June 5438+065438+ 10/day, 2007, all newly accepted loans will be repaid free of charge. The borrower no longer adopts the repayment method of equal principal.

Second, the free repayment method implements fixed-date repayment, that is, the borrower repays the loan principal and interest monthly from the second month of the loan transfer month, and the repayment date is the corresponding day of the loan transfer day of the month; If there is no corresponding repayment date within one month, the last 1 working day of the month is the repayment date.

3. During the repayment period, the borrower can freely choose the monthly repayment amount on the basis of not less than the minimum monthly repayment amount. The minimum monthly repayment amount is the average monthly repayment amount calculated according to the equal principal and interest repayment method. If the loan term exceeds 1 year and the state adjusts the interest rate of individual housing provident fund loans, the minimum monthly repayment amount shall be re-approved according to the adjusted interest rate.

4. During the repayment period, the borrower may apply for adjusting the monthly repayment amount, but the adjusted monthly repayment amount shall not be lower than the minimum monthly repayment amount, otherwise the adjustment will be deemed invalid and will not be adjusted. If the adjusted monthly repayment amount is higher than the sum of the remaining loan principal, repayable interest and penalty interest, it shall be regarded as early repayment of the loan, and the entrusted loan bank (hereinafter referred to as the bank) shall treat it as early repayment of the loan and collect the sum of the remaining loan principal, repayable interest and penalty interest.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

How to deduct the provident fund loan?

Repaying the loan means that the system will automatically deduct money from your savings account after the 25th of each month. It doesn't matter whether the money you put in or the money you withdraw from the provident fund is deducted or not, as long as you have money. The process of automatic transfer of provident fund is as follows: on 15 in the first month of each quarter (that is, four months in 1470), the system will automatically transfer the money in your provident fund account (leaving ten yuan) to your repayment savings account, which takes about two or three working days. This way, the money will go to your card and you can use it freely. It doesn't matter whether you use it to repay the loan or spend it. Moreover, once the entrusted deduction is signed, it will not be suspended, unless there is any unexpected situation, you should explain it at the back of the power of attorney or application form you signed at that time, and you should take a good look at it yourself.

Operating software: the mobile APP of the repayment bank.

Matters related to provident fund loans

1. The loan amount for purchasing commercial housing shall not exceed 70% (below seven floors) or 60% (above seven floors for small high-rise buildings or high-rise buildings) of the contract price of the purchased real estate; The purchase of second-hand houses exceeds 60% of the agreed house price and does not exceed 60% of the appraised house price; The maximum loan amount does not exceed 300,000 yuan.

2. Loan Term Loan Term Personal Housing Provident Fund Loan Term Purchase of commercial housing shall not exceed 30 years, and purchase of other housing shall not exceed 20 years, and the sum of the borrower's age and loan application period shall not exceed his statutory retirement age.

3. Loan interest rate Individual housing provident fund loan interest rate shall be implemented according to the housing provident fund loan interest rate standard stipulated by the state. If the loan term is less than one year (including one year), the contract interest rate shall be implemented. If the contract interest rate is adjusted, the interest will not be calculated in installments.

Legal basis: Notice of the State Council Housing Fund Management Center of Municipal Affairs Bureau of Central State Organs and Beijing Housing Provident Fund Management Center of Central State Organs on Free Repayment of Housing Provident Fund Loans.

1. Since June 5438+065438+ 10/day, 2007, all newly accepted loans will be repaid free of charge. The borrower no longer adopts the repayment method of equal principal.

Second, the free repayment method implements fixed-date repayment, that is, the borrower repays the loan principal and interest monthly from the second month of the loan transfer month, and the repayment date is the corresponding day of the loan transfer day of the month; If there is no corresponding repayment date within one month, the last 1 working day of the month is the repayment date.

3. During the repayment period, the borrower can freely choose the monthly repayment amount on the basis of not less than the minimum monthly repayment amount. The minimum monthly repayment amount is the average monthly repayment amount calculated according to the equal principal and interest repayment method. If the loan term exceeds 1 year and the state adjusts the interest rate of individual housing provident fund loans, the minimum monthly repayment amount shall be re-approved according to the adjusted interest rate.

Is provident fund repayment deducted from the provident fund account? How to deduct provident fund loans every month?

Monthly repayment of provident fund loans can be deducted from the provident fund account, paid in cash or deposited in a bank savings account. When the balance in the housing provident fund account is greater than the required repayment amount, it will be deducted directly from the provident fund account. When the balance of the account is insufficient to deduct the repayment amount, the required repayment amount shall be deposited into the provident fund joint card. It should be noted that the deposit amount must be equal to or greater than the repayment amount of this period, and the amount of insufficient provident fund cannot be deposited.

Repayment method of provident fund

1, the monthly equal repayment of principal and interest is fixed, which is more conducive to controlling the expenditure of family income, and the repayment ability can be determined according to one's monthly income;

2. The repayment method of equal principal is equal monthly, and the interest is calculated according to the remaining machines. The initial repayment amount is more, and then it decreases every month, which is more suitable for people with strong repayment ability.

How to deduct the monthly provident fund loan from the provident fund account?

Provident fund loans are repaid on a monthly basis, and the provident fund institution will directly deduct the loan amount from your provident fund account. So you don't need to worry so much, because the amount paid in the provident fund account every month will be directly deducted by the provident fund institution. If you don't reach the amount of provident fund loans, you must ensure that you have enough money in your bank card account.

I. Monthly repayment of provident fund loans

If you meet the relevant conditions, you can apply to the relevant departments for provident fund loans. In fact, provident fund loans are really convenient. Compared with loans from commercial banks, this kind of loan has lower interest, which is actually very suitable for office workers. But you must meet certain conditions before you can apply for provident fund loans.

After the success of the provident fund loan, you have to pay a certain amount every month, but in fact, you don't have to worry too much, because the balance of this part of the provident fund loan will be deducted regularly by the relevant institutions every month. As long as you ensure that there is enough money in your provident fund account, if there is not enough money in your account, you must ensure that there is enough balance in your bank card account, and then the insufficient part will be automatically deducted.

Second, provident fund loans.

This is also a very good loan method, and the provident fund loan is actually a loan project enjoyed by employees who have paid the housing provident fund. According to the relevant provisions of the state, all employees who have paid the provident fund can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans, but the situation varies from place to place.

So I suggest you know the relevant conditions of local provident fund loans in advance, but now the city has relaxed the conditions of provident fund loans. As long as you meet the relevant conditions, you can apply for provident fund loans in the bank. Provident fund loans can indeed provide great convenience to the parties and reduce everyone's burden.

How is the provident fund loan deducted?

Provident fund loan deduction process:

1. Deposit one month's repayment in the repayment card as the start-up capital.

2. On the repayment date, the bank will withdraw this part of the repayment, and then be entrusted to withdraw one month's monthly repayment from the provident fund account and transfer it to the repayment card.

3. Deduct this part of the money from the provident fund account next month, and so on.

Extended data:

Regulations on the administration of housing provident fund

In any of the following circumstances, employees may withdraw the storage balance in the housing provident fund account:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the owner-occupied housing loan;

6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. )

7, life is difficult, is receiving the city minimum living allowance;

8. Encountering unexpected events, causing serious difficulties in family life;

9, migrant workers and units to terminate the labor relationship;

10, has been sentenced, sentenced or reached the national legal retirement age at the expiration of his term of office;

1 1, dead or declared dead;

If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.

Provident fund loan conditions:

1. Borrowers applying for provident fund loans need to have full capacity for civil conduct and hold valid identity documents before they can handle business;

2. The borrower's husband and wife have no bad credit records and meet the national audit standards;

3. Have a stable source of income and the willingness and ability to repay on time;

4. The real purchase behavior occurred within one year, and the source of the house is clear, the procedures are complete and meet the national standards, and there is no legal requirement;

5. There are no outstanding other provident fund loans;

6. The purchased house will become the mortgage condition of the institution, or provide guarantee in a way recognized by the state.

How to deduct the monthly payment of provident fund loans?

The monthly payment of provident fund loans is directly deducted from the associated bank card or provident fund card on a regular basis. After the successful application for provident fund housing loan, the lender can choose to deduct the fee from the bank card or provident fund card. If it wants to deduct fees from the provident fund, it can apply for the provident fund hedging business. If it is deducted from the bank card, you can associate it with the bank card. For the hedging business of the provident fund, the balance of the provident fund shall be given priority for repayment. When the balance of the provident fund is insufficient, it will be deducted from the designated bank card.

How to calculate the monthly payment of provident fund loans?

The calculation of the monthly payment of provident fund loans depends on which repayment method the customer chooses. Mortgage repayment methods mainly include equal principal and interest and average capital:

1. If the repayment method of equal principal and interest is selected, the monthly repayment amount will remain unchanged throughout the repayment period (interest will be charged according to the actual number of days in the first month, which may be different).

The calculation formula is: monthly repayment amount (principal interest) = [loan principal× monthly interest rate× (1interest rate )× repayment months ]=[( 1 interest rate )× repayment months].

2. If you choose the average capital repayment method, the total loan amount will be divided into equal parts, and then the same loan principal and interest generated by the remaining loans in the current month will be repaid every month (the monthly repayment amount will be less and less as customers continue to repay).

The calculation formula is: monthly repayment amount (principal interest) = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal amount) × monthly interest rate.

In fact, commercial loans are also calculated on a monthly basis, and so are portfolio loans. However, the interest rates of provident fund loans and commercial loans are different, so even if the same repayment method is chosen, the total loan amount and loan term are the same, and the calculated monthly payment will be different.