The housing provident fund system benefits more and more people, and we will also encounter some daily problems in the process of housing provident fund deposit, withdrawal and loan. In this issue, Taiyuan Housing Provident Fund Management Center continues to sort out and answer the hot issues that the masses have consulted more, so as to facilitate timely inquiry and understanding.

Q: I bought a house through a commercial loan in my early years. Later, I checked out and settled the loan after consulting with the developer for some reasons. Is the interest rate of applying for provident fund loans affected now?

A: Employees can apply for a house purchase loan when paying the house purchase price. If the loan is settled for some reason, they can submit the relevant procedures for house purchase. Confirmed by our center, when applying for personal housing provident fund loans to buy a house again, the number of home purchase loans for returned houses can be excluded.

Q: I work in Beijing. I applied for a loan from a different place in Taiyuan Provident Fund Center on 20 19. Now I plan to settle the loan in advance, but I can't go to the branch because of the epidemic. Is there any other way?

Answer: You don't need to go to a branch office to settle accounts in advance. You can deposit the repayment funds into the repayment card, download the Taiyuan mobile phone provident fund APP software, register and log in, and then handle the "early settlement" module.

Q: Proof of marriage relationship is required to apply for provident fund loan, but my ex-wife and I were divorced by the court and could not provide divorce certificate. What should I do to apply for a provident fund loan?

A: When employees who have been divorced by the court apply for personal housing provident fund loans, the divorce judgment and divorce certificate have the same legal effect. Just provide a divorce judgment.

Q: My friend asked me to be the guarantor of the provident fund loan. My provident fund account was frozen by the court for personal reasons. Can I still be a guarantor?

Answer: If a paid employee applies for a personal loan of housing provident fund in the form of installment guarantee by a natural person or mortgage guarantee of real estate, the guarantor's housing provident fund must be paid normally in the information system of our center and has not been frozen by the judiciary, so you are not qualified as a guarantor.