The provident fund in overdue loans is deposited in the designated bank card, and then the bank will automatically start the deduction.
Deduction shall be made after the provident fund loans overdue, until all repayment funds are deducted. Therefore, it is enough to deposit the repayment funds into the bank card for overdue repayment of the provident fund.
After the accumulation fund in loans overdue, users must repay it as soon as possible. The longer the overdue period, the greater the negative impact, which will affect the user's later handling of other credit business.
Extended data:
Loan (electronic IOU credit loan) is a simple and popular understanding.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Silver coins and monetary funds can meet the needs of social expansion and reproduction to supplement funds, and banks can also obtain loan interest income and increase.
principle
The "three principles" refer to safety, liquidity and efficiency, which is business.
1, loan security is the primary problem faced by commercial banks;
2. The flow is large, or it is necessary to withdraw the deposit quickly without loss;
The foundation of going concern.
For example, if a long-term loan is issued and the interest rate is higher than that of a short-term loan, the risk will increase, the security will decrease and the liquidity will be harmonious, so that the loan will not go wrong.
Repayment method
(1) If the amount of equal repayment is equal repayment every month.
Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. In this way, the monthly repayment amount is the same;
(2) Distribute the equal amount to each installment (month) in the whole repayment period, and pay off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis.
(4) Repay part of the loan in advance: that is, by borrowing, you can repay part of the loan amount in advance, generally an integer multiple of 65,438+0,000 or 65,438+0,000, and repay the new repayment plan, in which the repayment amount and repayment period change, but the repayment method remains the same, and the new repayment period shall not exceed the original loan period.
(5) Repay all loans in advance: that is, the borrower can repay all loans in advance by applying to the bank, and the bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
(After the interest is calculated on a daily basis, the interest is calculated on a daily basis. Liquidated damages are required at any time.
Second, how to take the initiative to repay the mortgage one day overdue?
What if the mortgage is overdue for one day? 1. First of all, the repayment must be made immediately. Generally speaking, banks will have a grace period. If it is overdue for one or two days, you can inform the bank and explain the situation. If you repay within the grace period, it will not affect your personal credit information. 2. For banks without grace period, they should also repay as soon as possible, and it is best to inform the bank to deduct money after repayment. Generally speaking, one or two short overdue periods will not affect the credit investigation.
Third, how to operate voluntary repayment?
Jingdong financial app operation path: jingdong financial app home page-borrow money-view all mortgages-pay back the money, and choose the borrower who wants to pay back the money for repayment.