What is provident fund:
Provident fund is also called the company's reserve fund. In China, provident fund is divided into statutory provident fund and arbitrary provident fund. The statutory provident fund is mandatory and must be drawn in proportion. Arbitrary reserve fund is surplus reserve fund, which can be drawn by the company according to its own rules and regulations. In fact, the provident fund is a part of the company's total profit in accordance with legal procedures in order to expand reproduction and enhance its own financial resources. It should be noted that part of the funds to be invested will not be used as income, nor will it be used and distributed.
Amortization of Suzhou Provident Fund:
1. Amortization method: the method of drawing housing provident fund and repaying loans. There are two options for this method. One is one-time repayment, that is, one-time payment of arrears. The second is the monthly repayment method, that is, the required funds are directly withdrawn from the repayment person's provident fund account every month. One-time repayment method and monthly repayment method are both amortization methods of provident fund, and the repayment person can choose one of them. It should be noted that the withdrawal of housing provident fund can also repay commercial housing loans.
2. Amortization place of provident fund: used for purchasing or lending self-occupied housing provident fund, or
Apply for the purchase of affordable housing loans, must apply in advance. If the borrower wants to terminate or change the repayment, it needs to apply to the local bank.
3. Documents required for handling the provident fund: When the borrower applies for withdrawing the housing provident fund and repaying the loan.
The borrower and his spouse are required to carry the same provident fund account number, ID card, household registration book, marriage certificate and the borrower's latest loan repayment certificate. If the borrower applies to suspend or change the loan repayment business of housing provident fund, all the clients need to go to the relevant units with the loan contract, household registration book, ID card and power of attorney.
4. Time limit for amortization of provident fund: Suzhou provident fund amortization needs to be handled at the handling counter in advance.
Make an appointment. If it meets the requirements, the processing period shall not exceed three working days.
According to Bian Xiao, the amortization conditions of Suzhou Provident Fund are very strict. Those that do not meet the requirements will not be accepted. So please be prepared in advance if you need to handle it.
These are some letters that Bian Xiao collected for you today about the amortization of Suzhou provident fund.
I hope I can help you. For more information, please continue to pay attention to other contents published by us.
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