1, annual repayment, that is, one-time repayment.

It means to withdraw the balance of the housing provident fund account from the trustee once a year, repay the loan principal in one lump sum, and recalculate the monthly repayment amount according to the remaining loan principal and repayment period after repayment. After one-time repayment, the monthly repayment needs to use the customer's own funds, not the money in the provident fund account.

2. Monthly repayment, that is, monthly repayment method.

Refers to the monthly direct withdrawal from the customer's provident fund account to repay the loan principal and interest of the month. When the amount of the withdrawn provident fund is insufficient, the client shall make up the repayment amount in time. This way can not only offset the principal and interest of provident fund loans, but also offset the principal and interest of commercial loans.

Note: If the customer chooses the one-time repayment method, he cannot choose the monthly repayment method, but can only choose one of them. But if you want to change the repayment method in the future, customers only need to go to their own loan bank to change the repayment method.

Information needed for loan repayment.

1. Account number, ID card and household registration book of the borrower, the borrower's spouse and * * * the same borrower;

2. The borrower's marriage certificate;

3. The borrower's recent loan repayment certificate;

4. The borrower's savings repayment account;

5. The original loan contract shall be kept by the borrower.

In addition, when applying for changing or terminating the loan business of housing provident fund, the borrower should bring the ID card account book of the loan contract and the original power of attorney.