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How to repay the loan when the provident fund account has no money?
If the provident fund account has no money, there are two ways to repay the loan:

1. Cash repayment: users can directly go to the bank or bank ATM to prepare the repayment amount, and then directly deposit or transfer the repayment.

2. Repayment of housing provident fund account: Users can log in to official website, the housing provident fund management center, and use the monthly deposit balance in the individual housing provident fund account for repayment according to the repayment plan.

Housing provident fund extraction materials:

1. Identity certificate: the original and photocopy of the ID card of the extractor;

2. Provident fund account information: the original and photocopy of the passbook or bank card of the drawee's provident fund account;

3. Extraction application form: the original and photocopy of the extraction application form filled out by the extractor;

4. Proof materials extracted: According to different reasons for extraction, corresponding proof materials need to be provided, such as purchase contract and loan repayment certificate; To pay the house rent, you need to provide a rental agreement, house lease, etc. Personal housing loan repayment needs to provide relevant bank certificates. If the provident fund is withdrawn due to illness, disability, laid-off and other reasons, it is also necessary to provide proof materials issued by hospitals, disability appraisal institutions, labor bureaus and other relevant institutions.

In summary, the use of housing provident fund regulations, extraction conditions, extraction ratio, etc. , may vary from place to place. Workers in the use of housing provident fund, to operate in accordance with local regulations, and pay attention to ensure the legitimacy and correctness of the withdrawal of funds.

Legal basis:

Article 5 of the Regulations on the Management of Housing Provident Fund

The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 9

The housing provident fund management committee shall perform the following duties in the housing provident fund management:

(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;

(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;

(three) to determine the maximum loan amount of housing provident fund;

(four) approval of housing provident fund collection and use plan;

(five) to consider the housing provident fund value-added income distribution plan;

(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.