How to complain about provident fund loans

Is it useful for second-hand housing provident fund to refuse loan complaints?

Useful. Property buyers can call 12329 housing provident fund service hotline to make a complaint if the housing sales agency refuses to provide provident fund loans. The state requires the Construction Committee and the Provident Fund Center to deal with such complaints immediately.

Developers don't give provident fund loans, can they complain?

If the provident fund loan is rejected, it can be solved through the following channels:

According to the "Regulations on the Management of Housing Provident Fund" and other relevant laws and regulations, if the developer refuses to apply for provident fund loans, the municipal real estate department will order him to rectify, and if he refuses to rectify, he will be deducted from the credit file and publicized.

If the property buyers refuse the loan, they can directly call the provident fund hotline 12329 to make a complaint, and the provident fund center will also jointly enforce the law with other competent departments.

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle housing mortgage loan and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

How can I complain if the provident fund loan is delayed?

First of all, it is recommended to know clearly. The complainant has the right to undertake relevant obligations. Consult the bank for reasons of disapproval. If the other party doesn't say anything, the other party can keep it a secret. The other party said, you analyze who is responsible. If you have questions, you will have to let others know what to say, which will further affect the loan approval.

How to complain about housing provident fund

Public accumulation fund

1. About the deposit of provident fund.

The state issued a policy in April, 1999, which requires units and enterprises to pay provident fund. Therefore, if you find that the boss has not paid the provident fund for you in the unit or company where you work, then you have the right to safeguard your legitimate rights and interests.

You can report complaints to the provident fund center. You need to bring valid certificates, salary details and social security details when complaining.

After the complaint, there is a processing cycle. After accepting the application, the General Provident Fund Center will issue a two-month reminder to the unit. If the unit does not pay it back within two months, the provident fund center will file a lawsuit, and the litigation period is generally six months.

2. About the withdrawal of provident fund.

In the past few years, the withdrawal of provident fund was very strict, but in recent years, the policy was relatively loose. As long as it meets the policy requirements, you can bring relevant materials in the window or online.

There are many ways to withdraw the provident fund. The policies of each city are different, but they are basically the same.

When you withdraw, you usually look at whether you have a provident fund loan under your name. If you have a provident fund loan, you can't withdraw all the provident fund. You need to withdraw it every year or every month.

Commercial loans and portfolio loans can be adopted according to the corresponding extraction types. This is a policy. If it meets the requirements, it can be extracted. If it does not meet the requirements, it cannot be mentioned. No one can modify this matter.

More common is like buying a house to repay a loan. If there is no provident fund loan in the name, parents and children can be withdrawn. If the parents-in-law extract the son-in-law, they can all extract it.

Loan repayment can generally be withdrawn once a year, as long as it does not exceed the total repayment amount.

3. Provident fund loans.

The loan interest rate of provident fund is relatively low, so many people want to apply for provident fund loans, but some developers think that provident fund loans are more troublesome and do not want buyers to use provident fund loans.

Encounter this problem, property buyers can also complain to the developer center.

Generally speaking, the requirement for loans is basically continuous deposit of provident fund in the last six months. 1 suite, the second suite can apply for provident fund loans. The provident fund center will also entrust the bank to handle it. The bank will inform you what kind of materials are needed.