1. What should I do if the amount of provident fund loans is insufficient? When the amount of provident fund loans is insufficient, this can generally be done: 1. Apply for portfolio loan: If the amount of provident fund loan is insufficient, the remaining house payment can be solved by applying for commercial loan. After successful handling, the borrower can also apply for withdrawal of provident fund to repay the monthly payment of commercial loans. 2. Apply for a commercial loan first, and then withdraw the provident fund to mortgage: This way is to voluntarily give up the provident fund loan and directly apply for a commercial housing loan. The advantage of choosing a commercial loan is that the loan time is relatively fast, generally about 2 weeks to 1 month. After the application is successful, the borrower can withdraw the account balance from the provident fund management center with the Commercial Housing Loan Contract. Second, the new housing provident fund loan processing conditions 1, the loan applicant and the loan applicant who participated in the calculation of the loanable amount have continuously paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and the individual housing provident fund account was in a normal payment state at the time of application; 2. No provident fund loan balance; 3. Apply for provident fund loans for the first time or for the second time; 4. Purchase newly-built ordinary houses within the scope of Suzhou City, and the purchased houses belong to real estate development enterprises, and have gone through the real estate filing procedures according to regulations; 5. The down payment for house purchase shall not be less than the specified proportion; 6. Be able to implement loan guarantee. Three. According to the loan contract signed by the loan bank and the borrower, the borrower should repay the loan on a monthly basis in the month after the loan is issued. There are two specific ways, which the borrower can choose: repay the loan principal and interest in cash at the loan bank on 1 and 1-20 every month; 2. Entrust the loan bank to withhold and remit. The borrower and the loan bank sign a withholding repayment agreement and apply for a personal repayment savings card. The borrower can deposit the repayment amount for several months at one time, or deposit all the repayment amount in a nearby bank savings office before the 20th of each month, and the bank will directly deduct the loan principal and interest to be repaid from the borrower's savings account. The borrower can repay all the loan principal and interest in advance, or repay part of the loan principal in advance. 1. Repay all the loan principal and interest in advance, and the lending bank will re-approve the remaining loan principal and interest of the borrower according to the actual days of loan occupation. 2. Repay part of the loan principal and interest in advance, and the loan bank recalculates the borrower's monthly repayment amount or loan term according to the remaining loan principal.

Legal objectivity:

"Regulations on the Administration of Housing Provident Fund" Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council. 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.