Provident fund deposit refers to the guarantee fee. Provident fund loan is a guarantee method for housing loans by relevant guarantee companies, and it needs to pay a certain guarantee fee. Provident fund deposit is paid in one lump sum. Usually, the guarantee fee and the repayment amount of the first month will be deposited into the user's repayment account for deduction. The guarantee fee is calculated comprehensively according to the loan amount and term. As long as it involves provident fund loans, second-hand houses and first-hand houses need to pay provident fund guarantees as required.

Housing provident fund loan guarantee deposit can be refunded. According to the relevant rules of provident fund loans, the loan deposit is paid by real estate development enterprises. The purpose of the deposit is to urge the real estate enterprises to handle the real estate license in place as soon as possible and handle the formal house ownership certificate in place. Safeguard the rights and interests of buyers and provident fund centers. The condition for refunding the deposit is that the house ownership certificate is in place.

Operation process of provident fund loan deposit:

According to the requirements, the provident fund loan deposit should be paid by the provident fund loan guarantor before lending, but in practice, most of them are paid by the borrower on behalf of the guarantor. The borrower is unable to pay before he gets the provident fund loan. Considering the practical difficulties of the borrower, the provident fund management center will withdraw the deposit amount of the provident fund loan to the special account for the deposit of the provident fund loan after issuing the loan, and indicate the name of the guarantor on the receipt of the deposit of the provident fund loan.