The remedy is:
1. Apply for a commercial loan to be converted into a provident fund loan (commercial to public). The regulations for transferring business to public ownership vary from place to place, some places are mature, and some places are not yet operational. You can call 0458-397 1 160 (Yichun Provident Fund Management Center) for consultation.
2. If you can't handle the transfer business, you can withdraw the balance in your own provident fund account to repay the principal and interest of the house purchase loan, specifically:
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.
First, there are usually two extraction methods:
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.
2. 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.
I hope the above answers are helpful to you.