1, the repayment of provident fund can be deducted automatically. As long as there is enough balance in the account, the expenses that need to be deducted every month can be deducted automatically.

2. Repayment of housing provident fund: the bank is entrusted to withdraw funds from the balance of personal provident fund account on a monthly basis or in advance for repayment of loans, and repayment of loans is divided into two ways: annual repayment and monthly repayment.

Second, how to repay the provident fund?

Generally speaking, some local provident funds have no liquidated damages for early repayment, mainly depending on the implementation of this, because after all, provident funds are different from banks, and early repayment is generally better and interest is less.

Third, Shanghai provident fund repays loans.

First of all, it is worth mentioning that there are many restrictions. Many of my friends in other cities take them out at one time after buying a house. However, after consulting a lot of materials, I found that Shanghai does not need to meet certain conditions, including buying and building a house with ownership, or completely losing the ability to work after retirement, terminating labor relations with the unit where I work, or transferring residents or non-local employees from the city, or repaying the principal and interest of the house loan. "This is an official statement. However, if the balance before buying a house is sufficient, it will be withdrawn in the name of rent.

This year's hard loan has finally come down. After paying off the first loan on the 20th of this month, I hurried to repay the loan. The following is the information I have compiled about loan repayment, and everyone is welcome to criticize and correct me.

After the first phase of commercial loans and provident fund repayment is successful (both the first phase of commercial loans and provident fund need to be repaid in cash first, and the provident fund bank cannot use it. To apply for repayment with provident fund, you need to bring the following materials:

ID card, marriage certificate, loan contract, loan voucher, repayment voucher and deduction order are as follows

When the balance of the main lender's provident fund account and the sub-lender's provident fund account are not tightened, the sub-lender always puts commercial loans first, and then puts the provident fund. There is no need for commercial loans before they come down, especially when friends who borrowed from May to July this year put them together with commercial loans. This is actually quite good, because before the commercial loan comes down, you need to always pay back the provident fund loan in cash and pay back 4.5% in cash. Therefore, if you can choose, you must choose the provident fund and commercial loans together, and the commercial loans will be released, so don't worry. However, some banks, such as China Construction Bank, put provident fund in the first place by default. I wonder if customers can choose.

There are two ways to repay another loan, one is

The annual rush is suitable for having money on hand, that is, the principal is deducted directly, but the rest is repaid in advance every month, which can reduce the part that is not suitable for cash flow on hand. The provident fund can be deducted from commercial loans, so the pressure will not be great in the near future, but the interest will not be reduced.

4. How is the housing provident fund deducted?

The provident fund loan is deducted from the repayment bank card first. The provident fund center is only responsible for reviewing provident fund loan applications, signing mortgage contracts, and lending by banks. Therefore, the bank card belongs to which bank loans and which bank repays. For provident fund hedging, the system will deduct the balance of the provident fund account to offset the monthly mortgage repayment. When the balance of the provident fund account is insufficient, the money in the repayment bank card will be deducted. Therefore, provident fund loans may be deducted through multiple channels, but the total amount of deduction will definitely be consistent with the repayment amount. Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than 6 months, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. If the unit does not handle the registration of housing provident fund deposit for its employees or the establishment of housing provident fund accounts, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed. In violation of regulations, if the unit fails to pay or underpays the housing provident fund within the time limit, the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people for compulsory execution. Housing provident fund management committee in violation of the provisions of this Ordinance approved the use of housing provident fund plan, by the construction administrative department of the State Council in conjunction with the finance department of the State Council or by the construction administrative department of the people's government of a province or autonomous region in conjunction with the finance department at the same level, in accordance with the management authority shall be ordered to make corrections within a time limit. "Regulations on the Administration of Housing Provident Fund" Article 19 The housing provident fund paid by individual employees shall be withheld and remitted from their wages by their units. The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.