1, the repayment date has not yet arrived. Provident fund loans have a fixed repayment date. Customers can check the loan contract or confirm the repayment date with the bank. Before the repayment date, the system will not automatically deduct the money.
2. The balance of repayment account is insufficient. Before the repayment date, the customer needs to ensure that the repayment account has enough funds for deduction. If the account balance is insufficient, it needs to be replenished in time to avoid overdue.
3. The repayment account status is abnormal. If the repayment account is abnormal, such as freezing or other problems, you need to contact the bank to solve it to ensure the smooth repayment.
4. The bank repayment system is out of order. If you don't receive the debit notice on the repayment date, it may be because of the banking system failure. Customers can contact the bank to confirm whether there are system problems and solve them in time.
5. The deduction time has not yet expired. The deduction time of provident fund loans in different regions may be different, and customers need to know the deduction time in their own regions. If there is no problem in other aspects, it may be that the deduction time for the day has not yet arrived.
6. Deduct from next month. For new customers of provident fund loans, deductions are generally made from the following month. Customers can pay attention to SMS notification or confirm the deduction time with the bank, and repay according to the system prompt.
Is it overdue to make up the provident fund the next day?
Under normal circumstances, if the provident fund loan is not deducted on the repayment date, it will generally be deducted for the second time the next day. However, this is still regarded as overdue behavior, depending on the reasons for the failure of deduction.
Failure to deduct due to insufficient account balance: If the borrower fails to deduct due to insufficient repayment account balance, the second deduction of provident fund will be deemed as overdue repayment. It is suggested that the borrower deposit enough repayment amount into the account as soon as possible.
Deduction failure due to banking system problems: Deduction failure due to updating, upgrading or maintenance of the banking system is an internal problem of the bank and should not be regarded as overdue repayment. In this case, the borrower can contact the bank and let it handle this problem. It should be noted that overdue repayment will have a negative impact on personal credit records, which may lead to a decline in credit rating or blacklisting.