What does it mean that it is not included in the business loan information exchange class?

"Commercial loan information exchange" means that several banks have established an information exchange interface for commercial loans (hereinafter referred to as "commercial loans"), and the depositing customers who have handled the "commercial loans" (including the "commercial loan" part of the provident fund portfolio loan) in the "commercial loan" information exchange bank authorize our center to successfully obtain the loan data and handle the repayment of the principal and interest of the "commercial loan" without providing the loan contract and recent repayment statement, and can handle the monthly deduction and repayment business. In the future, the borrowers of these banks will not need to take the bank statement, they can withdraw the provident fund to repay the loan by taking the ID card at the provident fund center, and after handling the monthly deduction and loan repayment business, they will automatically help you transfer the money in the housing provident fund account to your account for repaying the mortgage.

OK. When applying for withdrawal for the first time, you need to bring your ID card, marriage certificate (if you are unmarried, you need to provide the home page of the household registration book and your own page), repayment passbook, loan contract, and the original and photocopy of the above materials.

In the future, the balance in the personal account of the Housing and Travel Housing Provident Fund can be withdrawn once a year or every few years cumulatively to repay the principal and interest of the housing loan, and the amount of each withdrawal shall not exceed the amount of the loan principal and interest repaid during the period. If an employee repays the housing loan in advance, the main borrower and his or her spouse can withdraw the loan within one year after the early repayment, and each withdrawer can only withdraw the amount of the early repayment once, and the total amount withdrawn cannot exceed the amount of early repayment.

The interval between the time of early repayment and the previous withdrawal refers to the time when the individual withdraws the provident fund to repay the housing loan registration card, and the withdrawal can be processed after 12 months or more. When handling the withdrawal, you need to bring the body skin certificate and the repayment statement. If the repayment is made in advance, the early repayment certificate is also required.

Article 24 of China's "Regulations on the Administration of Housing Provident Fund" stipulates that employees can withdraw the balance stored in the housing provident fund account under any of the following circumstances: (5) repayment of the principal and interest of the housing loan;

The specific extraction information is subject to the actual review of the front desk of the office (business outlet).

Qingdao Provident Fund is on some smart networks, and if admitted, personal loan information can be used by Lulu.

The old provident fund will only be able to enter the information of personal business loans in the online hall.

There is a management in his background, and you can enter it directly from the management.

How to enter personal business loan information in Qingdao Provident Fund Smart Network Hall, the banks of provident fund and commercial loans are networked, and they are all sharing information, so they can all enter personal loan information.

Entering personal information is an official matter, and you can't record it yourself.

You look directly at his entrance.

The uterine cavity Qingdao provident fund will only go to the first login.

What about this of your provident fund, you can enter personal online loan information.

I have to ask the provident fund service staff about this

Just record your ID information or yes.

I don't think your loan to buy a house in Huzhou has any impact, I can only say that your situation belongs to the second home, the loan interest is higher, and the repayment pressure is greater. If the bank may be stricter when reviewing your income, because the repayment amount of your two houses is too much higher than your income, the bank will not dare to lend to you. If your income is enough for you to pay for two homes, it will not matter if you buy a house in Huzhou.

You will not be affected if you take out a loan to buy a house in Huzhou, and buying a house in Huzhou only depends on the mortgage and the first house in the province, and does not consider the Chongqing mortgage.

If you buy a second house in Huzhou, the mortgage and interest are more than the first house, if you use someone else's name, that person has no real estate in his name, it will have no impact on you.

If you just have an unpaid mortgage, not an outstanding debt.

Then the impact should not be significant.

As long as your income is enough to cover your repayments, you'll be fine.

If there is a bad record, it is difficult to say.

This may affect loan approval.

Now the financial system is interconnected! Especially for dishonest people! If you are blacklisted for dishonesty, then you will not be able to get a loan out of town.

First of all, buying a house in Huzhou is a second house, and the down payment is higher than the first one, and secondly, buying a house in Huzhou depends on your credit and whether you have the ability to repay the loan of the two houses without affecting your normal life.

In this case, it belongs to the withdrawal of non-local house purchase, and the process of non-local house purchase withdrawal and local house purchase withdrawal is the same

First of all, it is clear whether you are buying a first-hand house or a second-hand house.

If it's a first-hand house:

1. Time limit for withdrawal:

The application should be made within one year from the date of filing and registration of the purchase contract.

2. Withdrawal amount:

The amount withdrawn shall be the amount of the housing provident account of the employee and his or her spouse in the previous month at the time of completion of the housing consumption procedures, and shall not exceed the amount generated by the actual payment of consumption.

3. Submission of materials:

1) Proof of house purchase:

The commercial housing sales contract, purchase price invoice or receipt filed and registered by the housing management department.

2) Identification materials:

Employees who withdraw their housing provident fund shall present their original ID cards;

If it is necessary to withdraw the housing provident fund of the spouse at the same time, the original ID cards of both husband and wife and the marriage certificate shall be presented;

4. Handling process:

1) Non-housing provident fund co-branded card employees need to submit the "Housing Provident Fund Withdrawal Certificate" + original ID card + supporting materials to the Housing Provident Fund Management Center for processing.

2) Housing provident fund joint card employees bring the housing provident fund joint card + original ID card + supporting materials to the housing provident fund management center for processing.

If it's a second-hand house:

1. Time limit for withdrawal:

The application should be made within one year from the date of obtaining the house ownership certificate.

2. Withdrawal amount:

For the purchase of second-hand houses, the withdrawal amount shall be up to the amount of the housing provident fund account of the individual employee and his or her spouse in the previous month at the time of registration of the house ownership certificate, and shall not exceed the actual purchase price paid (subject to the amount of the tax base stated in the deed tax payment certificate issued by the tax authority).

3. Submission of materials:

1) Proof of house purchase:

After the transfer of the house transaction, the house ownership certificate, the tax payment certificate of the deed tax of the house transaction, and the invoice of the house transaction fee.

2) Identification materials:

Employees who withdraw their housing provident fund shall present their original ID cards;

If it is necessary to withdraw the housing provident fund of the spouse at the same time, the original ID cards of both husband and wife and the marriage certificate shall be presented;

4. Handling process materials:

1) Non-housing provident fund co-branded card employees need to submit the "Housing Provident Fund Withdrawal Certificate" + original ID card + supporting materials to the Housing Provident Fund Management Center for processing.

2) Housing provident fund joint card employees bring the housing provident fund joint card + original ID card + supporting materials to the housing provident fund management center for processing.

Take the real estate certificate, ID card, household registration book, and the extraction certificate issued by the unit. . .

It is definitely possible to repay the loan in advance, but liquidated damages are also to be paid.

Dear Clients:

Hello! If it is a mortgage commercial loan of our bank, there are different requirements for early repayment in different regions. In some areas, you need to repay the loan for one year before you can apply, and you can check the purchase contract at that time for the relevant situation of liquidated damages.

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