Due to the adjustment and upgrading of the center and the bank clearing platform, the repayment data transmission of some loan employees' provident fund is abnormal, and there may be cases of delayed deduction, return after normal deduction, repeated deduction, early deduction, etc., and only the normal monthly deposit amount is deducted, but the early repayment amount is not deducted. Center for emergency repair, the deduction fee will be returned when the time comes. Employees who have not been deducted should keep enough repayment card balance. If they still receive overdue text messages or lawyer's letters with sufficient balance, they don't need to pay attention. If the fees payable by the center are not deducted, no overdue records will be generated.

First, generally divided into the following two situations:

1. Deduct first, then deposit: failure of deduction is recorded as breach of contract;

2. Deduction after saving money: successful deduction is not a breach of contract.

Second, suggestions on mortgage repayment:

1. In case of unexpected circumstances, resulting in delayed repayment, please contact the bank in time to explain the situation; 2. Complete the repayment in time, pay the late payment fee and penalty interest, and notify the bank to deduct the money again after the deposit;

In order to avoid this situation from happening again, it is suggested to deposit enough repayment funds in the bank card a few days in advance for repayment. Delay information owing on the loan in advance because the mortgage lender who needs to repay the loan in advance should carefully check the request for repaying the loan in advance and review it, and it will take some time to apply for approval. If the lender wants to repay the loan in advance, under normal circumstances, he should take good care of his ID card and loan contract to the bank after making a phone call or making a written request. As a trustee, he should take good care of the real estate license, settle other debt documents confirming the pledge at the bank, and personally go to the district construction committees to understand the pledge situation. The original policy and invoice can be booked by calling the relevant security companies. If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.

Don't forget to refund the loan early. When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan. If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.

5. There is nothing that can't be ignored when the pledge is released. The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement confirmation, and the lender will plan after keeping the copy of the loan settlement confirmation issued by the bank and the original system of each bank.

6. Repaying the loan in advance requires preparation. At present, some banks will release the pledge by themselves. After the pledge is released, the lender himself needs to go to the bank to get a house book. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment. If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.