If the monthly provident fund is not enough to repay the mortgage, the remaining money will be repaid from the bank card bound under the borrower's name. As long as the borrower deposits the money in the bank card, the bank will naturally deduct the money from the card to repay the remaining money.

It should be noted that everyone must deposit money before the due repayment date of each month, so as not to miss the automatic deduction time of the banking system on the repayment date, which will lead to the failure and overdue repayment, which will lead to personal credit damage and affect the subsequent credit business. Of course, we should also pay attention to the status of the repayment bank card, so as to avoid the card status being different and affecting the bank deduction.

In addition, the provident fund loan repayment business can choose not only monthly repayment, but also annual repayment, that is, the balance of the housing provident fund account is used to offset the mortgage principal once a year, and then the monthly repayment amount is recalculated for the remaining outstanding loan principal.

Rules for deduction of provident fund loans

1. First of all, the deduction date is stipulated in the contract, which refers to the time when the bank transfers money from your repayment account every month. If the deposit is easily overdue on the deduction date, the repayment amount shall be fully deposited into the repayment account at the latest one day before the repayment date.

2. In the case of free repayment, the borrower can repay overdue personal loans in two ways:

(1) When the borrower repays the overdue personal loan on the repayment date agreed in the contract, he can inquire the loan amount to be repaid at least on the next repayment date by calling the core telephone entrustment system (this amount should be the sum of the overdue loan principal and interest, default interest and lower repayment amount), that is, the borrower repays the loan according to this amount on the next repayment date, so the loan is not overdue. The borrower determines the repayment amount on the next repayment date by calling the core telephone entrustment system or signing the Notice of Borrower's Adjustment of Monthly Repayment Amount in the loan business department.

(2) When the borrower repays the overdue personal loan on the repayment date not stipulated in the contract, he must go through the relevant formalities at the counter of the loan business department with the original ID card. The borrower first applies to the loan business department and agrees on the repayment date. The agreed repayment date is three days (exclusive) after the borrower goes through the repayment formalities in the management department to the next agreed repayment date (exclusive).