If you pay the housing provident fund continuously for more than half a year, you can use the housing provident fund to repay the housing loan. You can apply to the accounting department of the unit for withdrawal of provident fund with your ID card, household registration book, marriage certificate, purchase contract and payment. Provident funds can be used to repay loans every month. You can also withdraw the balance of the provident fund from the housing provident fund account and repay the loan at one time. Many people repay their loans in this way after retirement. You can also withdraw the balance of the provident fund account and repay the loan in advance.

Measures for the return of housing provident fund to housing loans

1. One-time repayment method.

You can withdraw the full amount from the housing provident fund account and repay the loan at one time. Most retired people will take this way to repay their mortgages. If there is still room payment after repayment with the balance of provident fund, it can be recalculated according to the remaining loan and repayment period to determine the monthly repayment amount in the future.

2. Stop lending for several months.

Withdraw the balance of the provident fund account for mortgage repayment. After repaying the loan in advance, the lender may stop lending for several months. After the repayment stop time expires, the lender needs to continue to repay on a monthly basis. The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after the suspension period expires.

3. Monthly repayment method.

Withdraw the amount from the housing provident fund account on a monthly basis to repay the housing provident fund. When the balance of the housing provident fund account is insufficient, the account amount shall be replenished in time.

If you are still in the process of repayment of the provident fund, but the deposit of the provident fund is suddenly interrupted, you should pay back the unpaid provident fund in time. If the housing provident fund account needs to be transferred to a new unit, it must be completed within three months, and the original procedures should be provided to prove the job transfer.

Although the housing provident fund can help employees solve a variety of housing-related monetary needs, the balance of the housing provident fund account cannot be used to pay the down payment. Before handling the housing provident fund loan process, it is necessary to provide the management core with a down payment transfer receipt. After completing the housing provident fund loan process, you can apply to the local housing provident fund management core for withdrawing the balance in the account with certificates such as real estate license, commercial housing sales contract, mortgage contract, price contract, repayment details and ID card.

Buyers who use the housing provident fund for personal housing loans, housing portfolio loans or commercial housing loans may apply for repayment of the provident fund. The spouse and immediate family members of the purchaser can repay the loan with their own provident fund.

Housing accumulation fund is a monetized form of housing subsidies for residents by the state, which is paid by employees themselves and their work units. The core of housing provident fund management is to entrust banks with fund management and lending. Housing accumulation fund is both strange and familiar to many people. We pay the provident fund every month, but many people are still useless. From the perspective of financial management, we should not only give play to the function of repaying mortgage with provident fund, but also tap the functions of accumulation of provident fund savings and pension supplement.

Provisions on provident fund loans vary from place to place. Please consult the local provident fund management center for specific procedures.

How to repay the provident fund

The repayment process of provident fund loan is as follows: 1. First, the borrower should call the hotline of the local provident fund management center to check the balance of the provident fund account and make an appointment for repayment;

2. The borrower fills in the repayment application form, signs it and provides the required information;

3. The borrower waits for the approval of the entrusted bank;

4 housing provident fund management center for approval, issued to the loan bank, the loan bank for transfer; 5. The applicant goes to the bank to repay the loan principal and interest.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.

On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.

There are two repayment methods for personal housing provident fund loans: monthly equal principal and interest repayment method and monthly average principal repayment method.

The monthly equal principal and interest repayment method refers to the repayment method that the borrower repays the loan principal and interest unchanged every month, but the loan principal increases month by month and the loan interest decreases month by month.

The monthly average capital repayment method refers to the repayment method in which the borrower repays the principal regularly every month and the loan interest decreases month by month.

It should be noted that the personal loan of provident fund within one year should be repaid in one lump sum at maturity; Personal provident fund loans with a term of more than one year shall repay the loan principal and interest on a monthly basis.

Repay the loan in advance

Just apply to the bank one month in advance. The specific regulations or contracts signed by local banks may be slightly different. For example, some banks still need to pay a certain penalty for repaying loans in advance, while others don't. You can take a closer look at the provident fund loan contract you signed with the bank, what is the agreement of repaying the loan in advance (most people may not pay much attention to this when signing the contract), and whether there is any penalty for repaying the loan in advance. If not, there is no need to repay the loan in advance, and it may be necessary to sign a loan repayment contract with the bank separately. You can choose to shorten the loan time or.

How to repay the loan in the provident fund account?

There are two repayment methods for provident fund loans:

1. I use my own cash to deposit in the repayment bank card every month for repayment;

2. Entrust the Provident Fund Center to transfer the balance of its own provident fund account to repay the loan on a monthly basis.

Choosing the first repayment method is relatively simple, that is, deposit the money on the bank card and repay it monthly; If you choose the second repayment method, that is, using the balance in your own provident fund account to repay the loan on a monthly basis, you need to apply after completing the loan procedures, fill out the Application Form for Repaying the Loan by Entrusting Monthly Transfer of Housing Provident Fund and submit it, so that you can repay the personal provident fund loan with the balance of personal provident fund.

Extended data:

How to deduct the monthly provident fund?

The monthly deduction method of provident fund repayment is: after the borrower completes the repayment business, the bank deduction system will automatically deduct the money from the borrower's repayment account from the 20th to 25th of each month, which can be the money paid by the borrower himself or the money transferred from the provident fund to the repayment account.

Therefore, before the bank system deducts money, the borrower should ensure that there is sufficient monthly payment in the repayment account to ensure that the system deducts money successfully, otherwise the deduction fails, which will lead to overdue and affect credit.

How to repay the provident fund loan?

Provident fund loans have the following repayment methods:

1. One-time repayment method: withdraw the balance of the housing provident fund account and make one-time repayment. After repaying the loan, if there are still outstanding loans, recalculate the remaining loan principal and repayment period to determine the future monthly repayment amount;

2. Stop repayment for several months. Method: Withdraw the balance of the provident fund account and repay the loan in advance. After prepayment, the lender can stop repayment for several months, and the length of repayment suspension depends on the prepayment amount, but it cannot exceed 12 months;

3. The loan applicant shall repay the loan on a monthly basis according to the loan contract, and may withdraw the provident fund of himself and his spouse every year, and the withdrawal amount shall not exceed the total repayment amount of the previous year.

The repayment of personal housing provident fund loans is the same as that of personal commercial loans. The repayment methods of mortgage loans are divided into equal principal and interest and average capital. Matching principal and interest means that monthly payment and interest are combined into one, and the monthly repayment amount is the same. The average capital is the interest that should be paid back every month, so the less the better.

Extended data

Provident funds can be repaid in advance, including partial prepayment and full prepayment of remaining loans.

Partial prepayment:

If the repayment is made by monthly deduction, the normal repayment will be 12 months, and after the balance of provident fund loan is kept at 0. 1 times, the balance of provident fund account can be deducted to repay the loan every year, and the operation interval is 12 months;

If the repayment is not made on a monthly basis, after the normal repayment 12 months, the balance of the provident fund account can be deducted to repay the loan on an annual basis, and the operation interval is 12 months;

If the bank account is partially repaid in advance, you can apply for a loan from the provident fund center after normal repayment 12 months, and the repayment amount is more than 5,000 yuan each time;

After repaying part of the loan in advance, the remaining loan principal balance and repayment period still adopt the repayment method agreed in the original loan contract, and the monthly principal and interest should be recalculated according to the remaining principal and repayment period.

Pay off all remaining loans in advance:

If all the remaining loans are paid off in advance, after 12 months of normal repayment, an application can be made to the provident fund center to deduct the balance of the provident fund of the employee himself and his spouse (* * * and the applicant), and the amount cannot exceed the remaining loan principal and interest;

If the amount of provident fund is not enough to pay off all the remaining loans, the balance shall be paid first and the rest shall be settled.