Meet the extraction conditions stipulated by relevant laws and regulations;

The returned commercial mortgage is handled by the bank entrusted by the provident fund management center, and the loan principal and interest have not been settled;

Commercial mortgages need to be repaid normally for one month before they can be applied;

The number of withdrawals from the provident fund shall not exceed 2 times;

If the same family has outstanding provident fund loans, they cannot sign a contract.

Procedures for monthly repayment of Nanjing Provident Fund:

Original ID card and marriage certificate of the borrower and spouse;

Repayment card or passbook;

Receipt of acceptance of the Loan Registration Form for Entrusted Withdrawal of Provident Fund and Return of Commercial House issued by the loan bank;

Personal credit report issued by the People's Bank of China.

There are three ways to repay mortgage with provident fund. ?

1, one-time repayment method. ? Withdraw the balance of provident fund from the housing provident fund account and repay the loan at one time. Many people repay their loans in this way after retirement. After repayment, if there are still outstanding loans, the remaining loan principal and repayment period will be recalculated to determine the future monthly repayment amount. ?

2. Stop repaying the loan for several months. ? Withdraw the balance of the provident fund account and repay the loan in advance. After repaying the loan in advance, the lender may stop lending for several months. (The time to stop repayment depends on the amount of repayment in advance, but it cannot exceed 12 months. After the repayment period ends, the lender shall continue to repay the loan on a monthly basis. The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after the suspension period. Some property buyers have changed their income at a certain stage (such as illness, childbirth, unemployment, etc.). ), and they often use this way to repay the loan. ?

3. Monthly repayment method. ? Withdraw the provident fund directly from the provident fund account every month to repay the loan. When the amount of housing provident fund withdrawn is insufficient, the lender shall make up the repayment amount in time.