There are two common repayment methods of Xuzhou provident fund loans: equal principal and interest repayment method and equal principal and interest repayment method. According to the regulations of Xuzhou Housing Provident Fund Management Committee, the maximum loan amount is 500,000 yuan if both borrowers deposit normally. The borrower's normal unilateral deposit shall not exceed 50% of the maximum loan amount in principle. On the question of "how to repay the loan of Xuzhou Provident Fund", the following is a detailed answer from Bian Xiao. 1. How to repay Xuzhou provident fund loan (1) average capital repayment method? This method has the highest repayment amount in the first month, and then decreases month by month, so this method is often called "decreasing method". (2) Equal principal and interest repayment method. This repayment method is to divide the loan principal and interest into several equal parts according to the loan term, and the monthly repayment amount is the same, so this method is often called "matching method". Two, Xuzhou provident fund loan amount in accordance with the provisions of the Xuzhou Housing Provident Fund Management Committee. If both borrowers deposit normally, the maximum loan amount is 500,000 yuan. The borrower's unilateral normal deposit shall not exceed 50% of the maximum loan amount in principle, and may be appropriately relaxed to 75% of the maximum loan amount after comprehensive evaluation of the credit rating of the center. 3. Xuzhou Provident Fund Loan Law According to Article 26 of the Regulations on the Management of Housing Provident Funds, employees who have paid housing provident funds can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. The above is the answer to "How to repay Xuzhou provident fund loan". When an employee retires, the accumulated principal and interest of the provident fund will be settled in one lump sum and returned to the employee himself. In addition, if an employee dies while in office, the principal and interest of the remaining provident fund can be extracted by his successor or legatee according to the inheritance law. If you have any questions or legal problems, please visit the website for consultation.
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"Xuzhou: Further Adjusting the Housing Provident Fund Loan Policy" In order to fully implement the deployment of the "deepening year" of the business environment and optimize the housing provident fund loan process and related policies, Xuzhou further adjusted the housing provident fund loan policy and implemented it on September 1 day. Cancel the mortgage face-to-face counters of Xuzhou Real Estate Registration Service Center in the business departments in the east and west of the city, and Xuzhou Housing Property Guarantee Company will handle the mortgage procedures on its behalf, thus reducing customers' back and forth. The loan processing flow is changed from "center acceptance → bank signing loan contract → guarantee company handling guarantee → real estate department handling mortgage registration → guarantee company entering mortgage information → bank lending" to: center acceptance → bank signing loan contract → guarantee company handling guarantee and mortgage → bank lending. In the county (city) district, Xuzhou Branch of China Construction Bank will be added as the accepting bank of provident fund portfolio loans. Housing provident fund loan in Huaihai Economic Zone, Jining City.