2. Waiting for automatic deduction by the system: the system will initiate multiple deductions on the repayment date of provident fund loans, with a certain interval for each deduction. When the first deduction is initiated, the system only deducts part of the repayment amount, so the system will initiate the second deduction after a period of time. Users can choose to deposit the remaining amount to be repaid into the bank card, and then wait patiently for the system to initiate automatic deduction. As long as the user's bank card repayment status is normal, then the system can successfully deduct money. After the deduction is successful, the user's bank card balance will change, and the user can know whether the deduction is successful by querying the bank card balance.
What if the provident fund is not enough to repay the mortgage?
If the balance in the provident fund account is not enough to deduct the mortgage, the banking system will naturally deduct the money from the bound repayment bank card when signing the automatic repayment agreement, so the customer only needs to deposit enough money in the repayment bank card.
Of course, customers should make up the money before the repayment date in time, otherwise the balance in the card is insufficient. If the bank deduction time on the repayment date is missed when making up the money, it will lead to overdue and personal credit damage.
In fact, when the customer originally bound the repayment bank card, he could choose a card with stable income, such as a salary card, and then pay more attention to the fund movement of the card. Also pay attention to the status of the card. If the card status is different, you need to contact the bank in time to solve it, so as not to affect the bank's deduction.
It is also important to pay the provident fund in full and on time for six months or more, and the balance of the provident fund account should not be less than 12 times of the monthly repayment amount of the mortgage.
Can the repayment date of housing provident fund loan be changed?
Under normal circumstances, the repayment date of provident fund loans cannot be changed, but the requirements in different regions are likely to be different, and local rules are actually standards. Once a personal provident fund loan contract is signed in most areas, repayment can only be made according to the repayment date of the loan contract. However, some areas provide employees with the service of changing the repayment date of individual provident fund, but only once. Personal provident fund loans need to be repaid on time on the repayment date. If you are in loans overdue, it will not only affect customers' personal credit, but also increase the difficulty of applying for loan business in the later period.
When is the repayment of provident fund loans generally deducted?
The repayment of personal provident fund loans is generally deducted on the 20th or 25th of each month, and the actual repayment date is stipulated in the contract, subject to the specific commitments in the agreement. Provident fund loan deduction means that the loan bank deducts funds from the repayment account for repayment. Different banks have different requirements, so the deduction time on the repayment date will be different.