Jiangxi Ji 'an bought a house with a housing provident fund loan for the first time, and it was repaid on June 65438+1 October1. The money in the bank card didn't move, probably because they deducted it late, but as long as the money was deducted from them, it doesn't matter. Because they deducted money late, but it can't be that you don't have enough money.

First, the way to repay the mortgage from the 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. (No more than 12 months) After the loan 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 When the amount of housing provident fund withdrawn is insufficient, the lender shall make up the repayment amount in time.

Second, you need to pay back on time.

Young people are under great pressure to buy a house, because a house needs at least hundreds of thousands, while the more expensive one needs millions or even tens of millions, which is impossible for ordinary people to complete. So you will also choose a loan to pay the down payment, and then slowly repay the monthly mortgage later. No matter which repayment method, be sure to be on time, otherwise it will affect your personal credit problem. When you find that you can't repay in time, you should take the time to communicate with the relevant banks to see if there is any delay agreement. Try to pay back the money within the time specified by them, so that the house is your own and the money is your own. After all, there are not only houses in life now, but also life. Therefore, we must use the provident fund correctly and don't let the provident fund be put there. If you don't know how to use it, you can consult relevant professionals.