Now many areas use provident fund loans to buy a house. After paying off the loan, the loan policy can be based on the first suite when buying a second suite. Therefore, many property buyers choose to pay off the provident fund loan in advance and use the provident fund loan to buy a house again, because this can save a lot of housing costs, because the provident fund loan can be paid off in advance at one time.

Generally speaking, the interest of provident fund loans is much lower than that of commercial loans, and fewer people choose to pay off in advance. However, from 20 15, according to the "down payment" policy under the new mortgage policy, many people began to consider whether to pay off the provident fund loan in advance. There is no time limit for all provident fund loans to be settled in advance. Lenders can directly apply to the loan bank, that is, apply to the loan bank to return the remaining loan principal.

In fact, provident fund loans, like commercial loans, can be paid off in advance or settled in one lump sum. But it must be paid off in one lump sum after the provident fund loan is over one year. Lenders can take their ID card and repayment discount (card) (original and copy) to the provident fund service hall to receive the notice of prepayment, and then go to the bank to repay. However, the current provident fund policy has restrictions on the number of housing units. A set of housing can only be used for provident fund loans, and you can apply for provident fund loans after the loan is settled.

According to the regulations, the difference between using provident fund loans for the first time and using them again is that those who use housing provident fund loans again must go through the relevant application procedures after the original housing provident fund loans are paid off.