1. Withdraw all the balance in the provident fund account to repay the loan principal (once a year, a certain balance needs to be kept in the account, which varies from place to place). After the principal is repaid, the total amount of loan principal and interest decreases. Monthly payment or fixed number of years will be recalculated: if fixed number of years is selected, monthly payment will be reduced after recalculation; If the monthly payment remains unchanged, the repayment period will be reduced. Then you can choose.

2. After withdrawing the provident fund, it will be "associated" with your repayment card. For example, your monthly payment is 1500 yuan. After cash withdrawal,10.5 million, the repayment card will be associated. After 10 months, there is no need to deposit money in the card, and the loan will be repaid by the provident fund.

Withdrawal procedures: Bring the loan contract, repayment card (or provident fund card), my ID card and the Certificate of Withdrawal of Provident Fund issued by the company. If you want to withdraw your spouse's provident fund, you should go through the formalities at the loan bank or the local provident fund management center with your marriage certificate, ID card and the Certificate of Provident Fund Withdrawal issued by your spouse's company.

The local regulations have changed slightly, so it's best to go to the local provident fund management center to ask carefully and see how to handle it ~

Bank commercial loans and provident fund loans are two different things. Provident fund loans are based on housing provident fund, the main body of loans is provident fund management center, and the main body of commercial loans is banks. Commercial loans have little effect on provident fund loans.

Only the remaining unpaid part of the commercial loan will prove that the income required by the provident fund loan is higher, and the others have no influence!