The balance in the provident fund can be used for repayment. Generally, the repayment method of the provident fund is that the repayment project will be signed when the bank loans, and the repayment methods are also diversified. We should choose the appropriate method according to our economic ability. Portfolio loan is a kind of loan form that commercial loan and provident fund loan are handled at the same time. What if the combined loan accumulation fund is not used up? Generally speaking, as long as the mortgage is not paid off, the balance in the provident fund can be used for repayment. Generally, the repayment method of the provident fund is that the repayment project will be signed when the bank loans, and the repayment methods are also diversified. We should choose the appropriate method according to our economic ability.

The combined loan accumulation fund cannot be used up.

Portfolio loans can be repaid with the remaining part of the provident fund, which means that the borrower's provident fund balance is used to repay housing loans, including commercial loans and portfolio loans.

Repayment method of common provident fund

Loan portfolio is a way for banks to distribute credit risks by granting loans to more than two debtors under the constraint of limited total loans. Due to macro factors such as industry characteristics and business cycle, and micro factors such as the correlation of business activities among enterprises, the correlation of default in loan portfolio is characterized by cycle correlation and risk dispersion. The higher the default dependence, the greater the potential risk loss of the loan portfolio.

1. One-time repayment method: it means to withdraw the balance of the housing provident fund account from the entrusted bank once a year, repay the loan principal once, and recalculate the monthly repayment amount according to the remaining loan principal and repayment period after repayment. After one-time repayment, the monthly repayment needs to use the customer's own funds, not the money in the provident fund account.

2. Monthly repayment method: refers to the method of directly withdrawing the loan principal and interest of the current month from the customer's provident fund account every month. When the amount of the withdrawn provident fund is insufficient, the client shall make up the repayment amount in time. This way can not only offset the principal and interest of provident fund loans, but also offset the principal and interest of commercial loans.

The above introduced to my friends what to do if the combined loan provident fund is not used up. If there is a surplus in buying a house, then the remaining money can be arranged reasonably for monthly mortgage repayment. I also introduced the general repayment method of provident fund to my friends, so what kind of repayment method to choose should be made according to my income ability, so as to ensure good credit information on time.