Repaying the provident fund loan means that the lender can withdraw money from the provident fund account to repay the provident fund loan. The provident fund loan can only be a mortgage, and the depositor of the provident fund can withdraw money from the provident fund account when repaying the mortgage. You can go to the provident fund withdrawal department to go through the procedures for withdrawing the provident fund and transfer the amount of the provident fund account to your personal account.

Provident fund withdrawal is divided into three types: agreed withdrawal, partial withdrawal and cancellation withdrawal. You can choose according to your actual situation. Withdrawal usually means that you can withdraw all the money from your account after leaving your original city. Other withdrawal methods cannot withdraw all the money from your account, but each withdrawal must be a multiple of 100, such as 100,20000,100.

After the normal repayment of the provident fund loan, you can withdraw the provident fund of both husband and wife to repay the loan principal and interest. In fact, there is a simpler way, that is, directly let the bank deduct the loan from the provident fund account. Is this called provident fund hedging? It's easier to withdraw cash first and then repay it.

For example, your monthly mortgage is 5,000 yuan, your provident fund account is 2,000 yuan per month, and you can directly hedge 2,000 yuan and pay 3,000 yuan per month. If you want to achieve this operation, you can sign relevant agreements with banks when applying for provident fund loans.