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提前还款住房公积金的流程是什么？

提前还款住房公积金的流程是什么？

浏览：29次 | 提问时间： 07-07 04:20

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3个答案

时间海 07-07 04:21

住房公积金提前还款流程：只要提前一个月向银行申请就行了。具体各地各银行规定或合同签的不一样，就可能稍有不同，比如有的银行提前还贷还需支付一定的违约金，有的就不需要，你可以仔细看一下你跟银行签订的公积金贷款合同，上面对提前还贷有什么约定(一般人签合同时可能不太在意这条)，有没有提前还贷需支付违约金这条，没有的话就不需要提前还贷了，可能还需跟银行另行再签订还贷合同，可以选择缩短贷款时间或减少月供，一般缩短贷款时间较为节省一点.

我不咄咄逼人怎能稳拿第一 07-07 04:29

一、   办理规定
1、提前部分还款采用贷款期限不变，减少月供的方式。
2、每次提前部分还款的本金额度为一万元的整数倍。
3、部分还款时，如有逾期，应先将逾期部分还清后，再办理部分还款手续。
二、办理场所受理借款人贷款申请的市管理中心管理处。
三、办理要件
1、借款人身份证原件；
2、《借款合同》；
3、借款人因故不能亲自到场办理，委托他人代为办理，受托人需提供身份证、公证委托书原件到场办理；         4、市管理中心要求提供的其他证明或材料。
四、办理流程申请→签字确认→银行交款→记账→还贷
1、申请除每月扣款日、会计记账日(即7、8、17、18、27、28日，遇节假日顺延)外，借款人可到受理贷款的市管理中心管理处申请办理。
2、签字确认借款人填写《青岛市住房公积金贷款提前部分还款申请表》、签署《住房公积金贷款借款补充合同》。
3、银行交款借款人持《现金缴款单》到指定银行将还款资金存入指定账户，并于当日将缴款单回单交回，作为还款证明。
4、记账会计人员凭交款回单记账后，部分还款手续办结。
5、还贷借款人提前部分还款后，按调整后的期还款额还款。
五、办理时限当日申请当日办结。如当日未办结，申请自动作废。

半城繁華半城傷づ害怕你的离开 07-07 04:37

贷款偿清三个工作日后，借款人可以去领取贷款全部偿清证明。打印贷款全部还清证明时，应当携带借款人本人身份证和借款合同前去办理。办公时间周一至周五8：30至下午5：30(法定节假日除外)。如果您以前是在城八区的管理部办理的贷款，那么该贷款业务部门为位于方庄芳城园三区18号楼的贷款中心。如果是在远郊区县管理部办理的贷款，则去管理部办理。如果您采用的是担保中心连带责任保证的担保方式，接下来您可以到担保中心办理解除抵押的手续。具体办理事宜，建议您咨询担保中心，担保中心的咨询电话为：82020234。如果您采用的是抵押担保方式，则建议您咨询相关商业银行。

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