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What's the turning point of Beijing's opening provident fund to \

2020-08-05

What's the turning point of housing buyers' repayment when Beijing opens provident fund to \ Since July, according to the latest report issued by Beijing housing provident fund management center, the business of collecting and repaying housing provident fund loan has been officially opened, which is a great convenience for the house buyers who exercise the provident fund loan. Looking at this news, Ms. Liu, a Beijing house buyer, would like to know more about how the provident fund \

solution:

Let's first look at what is the original form of \ Before that, Ms. Liu had to take out the balance of the provident fund account and deposit it into the repayment account, and then use it to pay off the monthly mortgage. In the future, there is no need to be so troublesome. Ms. Liu can apply for the repayment date in January and July each year, which is consistent with the agreed repayment date, and exercise the funds of her housing provident fund account to directly repay the loan.

According to the details of the report, the borrower sets up a housing provident fund account in the provident fund management center (if there is an existing account number, there is no need to create a new one), and those who meet the picking conditions can be directly deducted; while the first condition is that the balance of the borrower's housing provident fund account must be greater than the agreed repayment amount in order to offset successfully.

For example, on August 10, 2020, Beijing housing provident fund management center issued a loan of 1.2 million yuan to Ms. Liu. On January 10, 2021, the balance of Ms. Liu's housing provident fund account was 15010 yuan, and the agreed repayment amount was 10000 yuan. In accordance with the rules of offsetting, Ms. Liu's provident fund account retains 10 yuan, which is offset by 15000 yuan on the same day (10000 yuan is used to pay off the agreed repayment amount and 5000 yuan is used to repay the principal), so there is no need to deduct the house loan from her loan repayment account.

In addition, if both the husband and wife of the borrower meet the offsetting conditions, they are offset from the housing provident fund account of the main borrower, and then offset from the housing provident fund account of the joint borrower.

There is also a strange situation. What if the borrower applies for a \ How to handle the business of \ In addition, Ms. Liu also needs to be careful that as soon as the reverse loan business is opened, the borrower's original other purchase, rent and pick-up business will be automatically terminated.