1, you use the provident fund loan and enjoy the lowest interest rate. Cannot withdraw the provident fund.

2. If you don't use the provident fund to buy a house, you can withdraw the provident fund.

It is impossible for you to enjoy the lowest interest rate and withdraw money.

Introduction to the method and process of offsetting loans with the balance of provident fund.

It is reported that some housing provident fund management centers have launched provident fund balance repayment business, so what ways does this business specifically include? How to operate?

Specific circumstances, we, we take ~ ~ housing provident fund to offset provident fund loans as an example.

It is reported that there are two ways for the balance of the provident fund to offset the loan: one is to deduct the loan every month; The second is to deduct and repay the loan year by year. The specific process is as follows:

1, deduct the loan every month.

After the borrower repays the loan normally for one month, the provident fund center can automatically deduct the principal's provident fund deposit on the 20th of each month according to the borrower's entrustment, and return the principal and interest of the provident fund loan for that month. Among them, the provident fund with an agreed monthly deposit of 6 times cannot be used for deduction.

2. Deduct and repay the loan year by year

After the borrower repays the loan normally for six months, the provident fund center can automatically deduct the customer's provident fund deposit once a year according to the entrustment of the borrower's power of attorney, so as to repay part of the provident fund loan in advance or settle it in advance. Among them, the agreed retention amount is 100 yuan.

In addition, while choosing to deduct the loan year by year, customers can choose to reduce the monthly repayment amount or shorten the loan period, and still need to repay the principal and interest of the provident fund loan with their own funds every month.