How to open an account online for Changchun Provident Fund?

1. How to open an account online for Changchun Provident Fund?

1. Find the local "Housing Provident Fund Network", select official website to enter, and click "Click to enter" on the "Housing Provident Fund Online Business System" page;

1, search the local housing provident fund website, select official website to enter, and click on the online business system of housing provident fund to view;

2. If you need to apply for registration for the first time, click "Apply for Registration" to enter the registration page. Enter "Customer Code", "Login Password" and confirm the password, enter "Email Address" and "SMS Verification Code" and click "Confirm". If the authentication is successful, click "Confirm" to return to the login page and log in with the newly registered account password;

3. After logging in, select "Company has not opened an account", select "Company Self-raised" or "Financial Allocation" according to the characteristics of the company, click "Next" to enter the company name, and then click "Next";

4. Fill in the name and ID number of the agent. The authorized user of the certificate will be the administrator at first, without manual input, and then click Next;

5. Fill in the company's detailed address, competent department (if none, fill in "None"), company characteristics, legal person name, organization code, postal code, contact information and email address, and then click "Next";

6. Select "Name of valid company certificate", enter the company ID number and legal person ID number, and then click "Next";

7. Select the account name, enter the bank and bank number, bank account number, salary payment date, agency, agency phone number and mobile phone number, and then click OK;

8. Online application confirmation form. If you already have a certificate, click Print Digital Certificate. If you don't have a certificate, click Apply for a new certificate, and then click Close. Finally, you can successfully open an account by truthfully filling in the company's filing and bank information.

2. How to handle the renovation loan of Changchun Provident Fund?

Materials required for provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. Proof of the marital status of the borrower;

4. Proof of down payment for house purchase;

5. The bank printed the borrower and his spouse's

6. Housing sales contracts or agreements that meet the legal requirements.

Conditions for handling provident fund:

1. Individuals and their units must pay the housing accumulation fund continuously for one year;

2 loans, good credit, the ability to repay the principal and interest of loans;

3. If the borrower purchases a commercial house, it must be no less than the total house price.

Provident fund handling process:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

3. How to handle the Changchun provident fund loan? There are five main steps!

Changchun is a city with rapid economic development in China. Many people choose to work and live here. If you want to borrow money to buy a house, most people will apply for provident fund loans. So how to deal with it? Let's briefly introduce it today.

I. Provident Fund Loan Process 1. Application: the loan demand of the borrower and the same borrower is put forward to the center by the development enterprise. 2. Audit: the personnel who accept the loan in the center audit the loan demand according to the loan policy and input the loan information into the system. 3. Signature: After approval, the system will output the special terms and the entrusted loan repayment agreement, and the borrower and * * * will sign with the borrower for confirmation. 4. Mortgage: The borrower and * * * handle the mortgage registration formalities with the borrower. 5. Lending: After the registration of real estate mortgage is completed, the center will notify the entrusting bank to transfer the loan to the development enterprise account. Two. Repayment process After the provident fund loan is successful, it must be repaid according to the regulations. The following is the repayment method of Changchun Provident Fund Center: 1. Repayment method: The borrower can choose one of two repayment methods: equal principal and interest method or average capital method. Equal principal and interest repayment method. Repay the loan principal and interest in equal amount every month during the loan period. Average capital repayment method. Repay the principal in equal amount every month, and the loan interest decreases month by month with the principal. 2. Repayment of provident fund: The borrower and * * * sign the Agreement on Entrusting Housing Provident Fund to Repay Housing Provident Fund Loan with the Center, and the Center deducts the principal and interest of the provident fund loan from the provident fund accounts of the borrower and * * * every month. When the account balance is insufficient, it will be deducted from the bank repayment card. 3. Repayment by bank repayment card: The borrower and the entrusting bank signed the Agreement on Entrusted Deduction of Housing Provident Fund Loan, and the entrusting bank deducted the loan principal and interest from the bank card every month. The borrower shall deposit the current principal and interest into the bank repayment card before the monthly deduction date (20th).

What steps does Changchun housing provident fund loan need?

1. The amount of provident fund loan depends on your monthly payment ratio and your account balance. Generally, the maximum loan is 80% or 20 times of your account balance. 2. The mortgage is up to 70%, and the interest rate is around 7.4. If you repay the loan in advance, you don't need to pay the interest for the remaining years, because you have already paid the principal and interest for those years, and you only need to add some interest to the remaining principal and the bank, which is the total amount you need to pay. Both provident fund and mortgage can repay the loan in advance.