For Oda's statement, the bank staff said that they acted in accordance with the regulations of the Provincial Provident Fund Center. In an interview with reporters, the relevant personnel of the Yunnan Provincial Provident Fund Center responded that there is no regulation that only 10,000 loans can be made. If this happens, you can complain to the specific bank staff, and the provincial provident fund center will handle it according to the regulations.
ask about
Why can't provident fund loans be humanized?
Oda lives in Chuxiong and works in Kunming. 20 12 bought a 60-square-meter house in Kunming High-tech Zone with a total amount of more than 450,000 yuan. Because he did not meet the conditions of provident fund loan at that time, he borrowed from the bank for 20 years except for the down payment.
From June 5438 to this year 10, he and his wife applied to the Yunnan Provincial Provident Fund Center to handle business at the counter of China Bank in the Provincial Provident Fund Center. On June 19 of that month, he received a reply that the Agreement on Repayment of Loan with Entrusted Deduction of Provident Fund had been approved and came into effect, with a loan amount of 280,000 yuan and a term of 20 years. Oda said that his loan principal was 288,650 yuan, and now he can only afford a fraction of 8,650 yuan.
"At that time, a staff member surnamed Wang of the Bank of China clearly told us that the policy of the provincial provident fund center has changed recently, and the loan can only reach 10,000. We also reflected our practical difficulties. In this regard, they also specifically called the leaders in charge of examination and approval of the provident fund center to apply, but they got a negative answer.
Oda said that she works in print media with a monthly salary of more than 3,000 yuan. Apart from the mortgage and living expenses, he can only have more money at hand at the end of the year. "Although 8650 yuan is not a huge sum of money, my wife didn't work for more than half a year because my hometown built a house at the beginning of the year and sent money back. It took more than 8,000 yuan to take the civil service examination, plus the guarantee fee and notary fee required for handling provident fund loans. The superposition of various expenses really makes me breathless. "
respond
In one case, a bank lends money to 10,000 people to save trouble.
The reporter then visited the 309 office in charge of examination and approval of Yunnan Provident Fund Center. The head of the loan department told the reporter, "We all implement the provisions of the document, and we have never stipulated that the loan can only reach 10,000 yuan. Why do we sometimes take integers? In practice, there is a certain time requirement and even supplementary information is needed. The customer service manager of the bank should discuss with the lender on the specific operation.
Oda's loan can reach 285,000 yuan under normal circumstances. "Fu said," The provident fund center entrusts the bank to lend money. Bank staff are sometimes lazy, or anxious to get off work, and want to save trouble and lend money to 10,000 people. Or bank staff are afraid of backstage mistakes and generally choose 10,000 people to lend money. However, there is no way to modify it now. If Oda and his wife are not satisfied, they can complain to the specific bank staff, and the provincial provident fund center will handle it according to the regulations. "
Ruan, deputy director of the main city management department of Kunming Housing Provident Fund Management Center, told the reporter that Kunming Provident Fund Center has been implementing the policy of "one loan for one thousand".
(The above answers were published on 2015-12-10. Please refer to the actual situation for the current purchase policy. )
Sohu Focus provides you with comprehensive information on new houses, second-hand houses, renting houses and home improvement.