Go homepage(回首页) Upload pictures (上传图片) Write articles (发文字帖)
The author:(作者)qqpublished in(发表于) 2013/11/23 17:26:37 Yinchuan provides provident funds can be extracted every month on the loan
Reporter (reporter Chen Yongfeng) "since July this year, yinchuan housing Provident Fund management centres introduction ' housing common reserve fund loan monthly extract ' operation, more than 1400 people have applied for the business. "November 21, yinchuan housing Provident Fund management information management service, Wu Weidong, head of the Centre, told reporters.
Housing accumulation Fund loan than people know, prior to this, after applying for housing accumulation Fund loan, loan next month can be extracted and the spouse of the housing accumulation Fund and a one-time return of principal of the loan, after which both husband and wife can be extracted only once a year to repay the loan principal. Throughout the repayment period, the worker must be paid by the month loan. "This increases workers ' economic pressures. "Wu Weidong introduced, if the extraction handle housing Provident Fund entrusted to monthly loan business, you can ease repayment pressure. "The procedures are also very simple, the lender is only required to hold identity cards (couples provide marriage certificate and identity card) to the center of housing accumulation Fund Services counter in the lobby, signing of the housing Provident Fund Administration Center of yinchuan commissioned monthly extracts of housing accumulation Fund loan agreement. Next month will be automatically deducted from the employee personal housing accumulation Fund account the loan, it can also make workers less and run errands. ”
According to reports, commissioned monthly extracts on the loan application criteria can be as long as two conditions are met: are in the process of housing accumulation Fund loan applicants; has been housing common reserve fund loan applicants. When applying for delegate extracted every month on the loan, and the spouse of the housing Provident Fund balance of the account store, and more than 6 months, the loan principal and interest amounts. Meanwhile, the housing Provident Fund accounts have not been frozen, there is no guarantee for others. At present, the city housing Provident Fund deposit number 223,700, since July, with an average monthly withholding agreement signed more than 300 households.
Related news
Establishment of provident fund the blacklist system "deadbeats" less a lot
Reporter (reporter Chen Yongfeng) to prevent credit risks, enhance the awareness of housing fund borrowers and ensure the safety of housing accumulation Fund, this year, yinchuan Housing Fund Management Center in the region took the lead in the establishment of housing accumulation Fund loan blacklist system. On November 21, the yinchuan Gao Shulan, Director at the Center for housing accumulation Fund of housing credit, said since the establishment of a blacklist system, substantial drop in the amount overdue.
It is understood that when the highest this year, amounting to more than 1.9 million overdue, and now has dropped to 630,000 yuan, loan repayment rates are highest 0.67 per thousand, down from 0.17 per thousand. The reason is that "Apart from the loan approval strictly, and gradually increase employee awareness of honesty, not like before when lots of people want to have. "Gao Shulan introduced credit blacklist system based on loan in the Provident Fund Centre records and overdue loans. Blacklisted after staff at the housing Provident Fund Administration Center loans may be rejected, after entering the credit rating system, where all bank loans are likely to be rejected. According to statistics, at present, not more than 6 months in a row of Provident Fund loans with more than 40 people, have entered the blacklist, at present, within 3 months of screening was not, to be included in the blacklist. Also, in addition to overdue groups, and others to provide false information to cash in the Provident Fund, for such acts, "once investigated, can no longer handle other provident funds business".
(Original title: you know what? Provident Fund may take longer to extract repayment)
本报讯(记者 陈永峰)“自今年7月起，银川住房公积金管理中心出台‘逐月提取住房公积金还贷’业务以来，已有1400多人申请了这项业务。”11月21日，银川住房公积金管理中心信息管理处负责人吴卫东告诉记者。
办理过住房公积金贷款的市民都知道，此前，申请住房公积金贷款后，贷款次月可提取本人及配偶的住房公积金并一次性归还贷款本金，之后夫妻双方每年仅可提取一次用于归还贷款本金。在整个还贷期间，职工必须用工资按月还贷。“这无形中增加了职工的经济压力。”吴卫东介绍，如果办理了住房公积金委托逐月提取还贷业务，就可减轻还款压力。“手续也很简便，贷款人只须持本人身份证(夫妻双方提供结婚证和身份证)到住房公积金中心服务大厅柜台，签订《银川住房公积金管理中心委托逐月提取住房公积金还贷协议书》。次月就可自动从职工个人住房公积金账户中扣款还贷，这样还可以让职工少跑腿。”
据介绍，委托逐月提取还贷的申请条件只要符合两个条件即可：正在办理住房公积金贷款的申请人；已办理住房公积金贷款的申请人。在申请办理委托逐月提取还贷时，本人及配偶的住房公积金账户存储余额之和大于6个月的，应还贷款本息额。同时，住房公积金账户没有被冻结、没有为他人提供担保的。目前，全市住房公积金缴存人数达到22.37万人，自7月至今，平均每月有300多户签订代扣协议。
相关新闻
建立公积金黑名单制度“老赖”少了不少
本报讯(记者 陈永峰)为预防信贷潜在风险，增强住房公积金贷款人的诚信意识，确保住房公积金资金安全，今年，银川住房公积金管理中心在全区率先建立住房公积金贷款黑名单制度。11月21日，银川住房公积金中心住房信贷处主任高淑兰表示，自建立黑名单制度以来，逾期金额大幅下降。
据了解，今年最高时，逾期金额达190多万，现在已降至63万元，逾期还款率也从最高千分之0.67降至目前的千分之0.17。究其原因，“除了贷款审批严格把关外，职工的诚信意识也在逐步增强，不像以前不少人想啥时候还就还。”高淑兰介绍，贷款黑名单制度依据贷款人在公积金中心的贷款逾期记录等而定。被列入黑名单的人员以后在住房公积金管理中心贷款时将会被拒绝，进入征信系统后，在所有银行办理贷款都有可能被拒。据统计，目前，连续6个月以上不还公积金贷款的有40多人，已进入黑名单，目前，逾期3个月不还的还在筛查中，也要计入黑名单。另外，除逾期不还的群体外，还有一些人提供虚假材料以套取公积金，对于这种行为，“一经查处，今后不能再办理其他公积金业务”。
(原标题：你知道吗？公积金可逐月提取还贷)
赞