Deduct money from the provident fund account first, and deduct money from the bank card when the balance of the public and white provident fund account is insufficient.

2. There are two repayment methods for provident fund loans, which are chosen by the borrower:

1, 1-20 repay the loan principal and interest in cash to the loan bank 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.

Three, the borrower can repay all the loan principal and interest in advance, can also 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.

Why is there money in the provident fund to deduct the bank card?

There is money in the provident fund, but the money in the bank card is deducted because the balance of the personal provident fund account is not enough to deduct it in full, so the system will automatically choose to deduct it from the bank card. In another case, the funds in the user's provident fund account have not been transferred to the repayment account and cannot be deducted. The money in the provident fund must be handled by individuals before it can be used. You can consult the person in the personal loan office of the bank to open a letter of credit, and then go to the Finance Bureau to get the application form. If you go back to the unit and stamp it, you can deduct money from the provident fund. If the provident fund is repaid on a monthly basis, the monthly contribution of the provident fund shall be deducted first (the part you pay plus the part paid by the company), and the insufficient part shall be deducted from the bank card.

There are two repayment methods for provident fund loans, which are chosen by the borrower:

1. Repay the loan principal and interest in cash at the loan bank from 0 to 20 of 65438+ every month;

2. Entrust the loan bank to withhold and remit. The borrower shall sign a withholding repayment agreement with the loan bank and apply for a personal repayment savings card. The borrower can deposit the repayment amount for several months in one lump sum, or deposit the repayment amount in full in a nearby bank savings office before the 20th of each month, and the bank will directly deduct the loan principal and interest account from the borrower's deposit.

The borrower can repay all the loan principal and interest in advance at one time, or repay part of the loan principal in advance. If the loan principal and interest are paid off in advance, the loan bank will re-approve the remaining loan principal and interest of the borrower according to the actual number of days of loan occupation. If part of the loan principal and interest is repaid in advance, the lending bank will recalculate the borrower's monthly repayment amount or loan term according to the remaining loan principal.

Loan terms:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system may not apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions when applying for a housing provident fund personal purchase loan: you must continuously deposit the housing provident fund for at least 6 months before applying for a loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. When one spouse applies for a housing provident fund loan, neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off. Because housing provident fund loans are financial support to meet the basic housing needs of workers' families. It is a kind of "housing security" financial support.

My provident fund balance is insufficient, and my wife's balance is sufficient. Why is my bank card deducted?

Answer: Because you didn't handle the monthly deduction business after signing the contract, or the balance of your provident fund account is insufficient, these reasons will lead to the deduction of your bank card.

Analysis: The provident fund repays the money deducted from the bank card in the first month, which is the bank's regulation. The lender must deposit enough money deducted for one month in the repayment card in the first month, and deduct the money from the repayment card on the repayment date, but then deduct the balance of the provident fund account first.

If the bank card money is deducted later, it may be that the balance of the provident fund account is not enough to repay the repayment amount this month, so after deducting the balance of the provident fund, it will be deducted from the bank card until the monthly payment is deducted.