Most people choose to use provident fund loans when buying a house. If the family's economic situation improves, it can be repaid in advance. The regulations in each region are different. Today, we will take Guangzhou provident fund loan as an example to introduce the specific process.

1, one-time repayment of principal and interest

According to the needs of the borrower, choose the repayment date of one-time principal and interest repayment (that is, early repayment). If the prepayment is unsuccessful, you can apply again next time.

(1) outlet application: the borrower applies (all * * * borrowers need to sign and agree at the scene) → accepts outlet approval → central approval → repays the loan principal and interest → sends the prepayment application form to the provident fund center for filing. The repayment date should be before the next fixed repayment date, and the application date and two working days after it or the fixed repayment date cannot be selected.

(2) Application on the mobile phone: the main borrower logs in to the "Guangzhou Housing Provident Fund Management Center" mobile APP or WeChat official account → query processing → business processing → early settlement of the loan → successful submission → repayment of the loan principal and interest. The repayment date should be selected before the next fixed repayment date, and the application date and fixed repayment date cannot be selected.

(3) Online service hall application: the main borrower logs in to official website of Guangzhou Housing Provident Fund Management Center → provident fund inquiry → personal business → personal online business → loan business → early settlement of loan application → successful submission → repayment of loan principal and interest. The repayment date should be selected before the next fixed repayment date, and the application date and fixed repayment date cannot be selected.

2. Partial prepayment

The prepayment date is fixed monthly repayment date. If the prepayment in the current month is unsuccessful, you can apply again next month.

(1) outlet application: the borrower applies (all * * * borrowers need to sign and agree on the spot) → confirm the prepayment amount and date → accept the outlet approval → the center approval → repay part of the loan principal → send the prepayment application form to the provident fund center for filing.

(2) Application on the mobile phone: the main borrower logs in to the "Guangzhou Housing Provident Fund Management Center" mobile APP or WeChat official account → query processing → business processing → partial prepayment → successful submission → repayment of part of the loan principal.

(3) Online service hall application: the main borrower logs in to official website of Guangzhou Housing Provident Fund Management Center → provident fund inquiry → personal business → personal online business → loan business → partial prepayment or shortened application → successful submission → partial repayment of loan principal.