1. The borrower inquires the hotline of the provident fund management center, dials to inquire about the remaining loan amount, or inputs part of the amount to be repaid in advance according to the voice prompt, and then brings his ID card to the local provident fund management center to apply for an appointment for the amount to be repaid in advance.
2. The staff will provide an application form for the repayment applicant. For full repayment, fill in the Application Form for Early Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, and for partial repayment, fill in the Application Form for Early Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, then sign and seal it, and provide corresponding materials.
3. After the applicant confirms the amount and date of prepayment, the applicant's application will be transferred to the corresponding entrusting bank for approval.
4. After the approval of the bank, the approval of the housing provident fund management center began.
After receiving the notice of successful approval, the applicant can go to the bank to repay the repayment amount and interest.
6, the last step, many people will ignore. After successful prepayment, the prepayment form shall be submitted to the local housing provident fund management center for the record.
If the housing provident fund is to repay the mortgage, the customer can apply for the provident fund to repay the loan. When it is done, customers don't have to worry about it, as long as they pay the provident fund on time. As long as there is a full balance in the customer's provident fund account, the banking system will automatically deduct the corresponding amount from the account on the repayment date to repay the mortgage. If monthly payment is selected, it will be deducted from the provident fund account in installments every month to repay the principal and interest of the mortgage in the current month; If the annual mortgage is selected, the balance will be deducted from the provident fund account once a year to repay the mortgage principal.
The mortgage repayment of the provident fund is directly deducted from the provident fund, and the applicant can go directly to the bank where the mortgage repayment is made. When the provident fund loan is repaid, the monthly automatic deduction formalities are handled in the provident fund center. The repayment card and the provident fund card can be directly bound, and the monthly repayment is deducted from the provident fund account first, and the insufficient part needs to be supplemented by the bank.
Legal basis:
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.