Loans with provident fund can be repaid with provident fund. There are two repayment methods for provident fund repayment, monthly payment and annual payment. Monthly payment is to deduct money from the reserve account every month, and annual payment is to deduct all the money in the account once every April or September. The former is suitable for small account balance, while the latter is suitable for large account balance. This repayment is to apply to the bank. When the balance is not enough, you have to make up the money on the repayment card.

Precautions for provident fund loans:

1. Whether you can use the housing provident fund loan depends on whether the applicant's qualifications are complete and whether you have signed an agreement with the municipal provident fund management department to apply for cooperation.

2. The process of signing the loan agreement before going to the provident fund center is complicated. After going through many procedures, if you want to enjoy the provident fund loan for the commercial housing project you purchased, you need to prepare some materials and report to the provident fund management department. After that, the management center has to go through many links such as project acceptance, audit, investigation, certification, reporting and approval before it can sign an agreement with the development unit and the entrusted bank. The relevant information of the project will be entered into the provident fund loan information system of the management center on the day after the approval.