Heavy weight! Chengdu provident fund strives to realize monthly withdrawal and repayment of housing loans by the end of the year

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on July 1, this year, the loan guarantee mode of forward housing and existing housing accumulation fund has been adjusted, and it is no longer necessary to pay the commercial loan guarantee fee, and reduce the link of handling guarantee procedures for employees. At the end of the year, we will strive to achieve “monthly repayment of loans, monthly rental withdrawal”, to reduce the capital pressure of employees to repay housing loans, and to help non housing workers ease the pressure of renting houses and reform Good living conditions.

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are the contents responded to by Chengdu housing provident fund management center on duty today.

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adjustment of loan guarantee mode for provident fund loan of

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no longer need to pay the guarantee fee for the loan part of the portfolio lender,

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reduce the number of employees going through the guarantee procedures

it is understood that from July 1, 2020, the Chengdu housing provident fund management center has adjusted the guarantee mode of the provident fund loans for future and existing houses. The guarantee company will no longer provide joint and several liability guarantee, but the development enterprise will provide joint and several liability guarantee. After the adjustment of

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, the burden of employees (no longer need to pay the guarantee fee for the loan part of the portfolio loan) has been reduced, and the process of handling guarantee procedures for employees has also been reduced.

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Chengdu housing provident fund management center related person in charge of the example: “according to the original guarantee method, employees should bear the guarantee fee of the main loan, if the employee loans 1 million commercial loans, they should pay 2500 yuan guarantee fee. After adjusting the way of guarantee, employees do not need to pay 2500 yuan guarantee fee. According to the amount of loans last year, employees will have to reduce 50 million guarantee expenses in one year. ”

“monthly repayment of loans, monthly rental extraction” —

strive to achieve

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are discussing data interaction with banks, and testing

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benchmarking Shanghai and other advanced cities. Chengdu is striving to achieve “monthly repayment” and “monthly rental extraction” by the end of the year. At that time, employees who have business processing needs such as “monthly repayment of loans and monthly rental extraction” can apply directly online through Chengdu provident fund app, with relevant agreements, authorization and query, which can be used after the background audit.

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and “monthly repayment” refer to the business of

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withdrawing provident fund monthly to repay housing loans.

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will be adjusted from the current annual use to the monthly use after the realization of “monthly withdrawal of provident fund to repay housing loans”, which greatly reduces the capital pressure of employees to repay housing loans every month.

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, but at present, the “monthly repayment” of commercial loans relies on all commercial banks to provide real-time employees’ repayment information to the provident fund center. Only when the real-time delivery is accurate can it be implemented. Therefore, Chengdu housing provident fund management center put forward the implementation goal of distribution within the year. “Pure provident fund loans and portfolio loans, including the ten entrusted loan banks currently cooperating with, and the pure commercial loans of ten banks such as Bank of Chengdu, rural commercial bank, China Merchants, Xingye and CITIC, are striving to achieve” monthly repayment “this year. At present, we are discussing data exchange with banks and testing them.”

“monthly rental extraction” — who can handle the housing provident fund withdrawal of

? Continuous deposit of Chengdu provident fund for more than 3 months; I am a single employee, and I have no house in Chengdu administrative region; if I am a married employee, I and my spouse have no house in Chengdu administrative region.

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can effectively relieve the pressure of renting houses and improve the living conditions for the non housing workers, especially the migrant workers, the rongpiao people and the newly employed college graduates.

Chengdu Daily · Jinguan journalist Miao Mengyu

original title: heavy weight! Chengdu provident fund strives to realize monthly withdrawal and repayment of housing loan

by the end of the year