On the basis that the monthly repayment amount of the loan applicant is not less than the minimum monthly repayment amount of the loan, in principle, it should be not less than the monthly deposit amount of the housing provident fund, that is, not less than the sum of the unit deposit part and the individual deposit part. If the loan applicant is married, the monthly repayment amount shall not be less than the sum of the monthly deposits of the housing provident fund of both husband and wife, so as to ensure that the housing provident fund is fully used for housing consumption.

You can also simplify the repayment process of provident fund loans by entrusting banks and deduct the amount of provident fund accounts from individual bank repayment accounts. When applying for a provident fund loan, in order to facilitate future repayment, the applicant signs a provident fund withholding repayment agreement with the provident fund management center or the entrusted bank.