When applying for "monthly repayment", the following conditions shall be met:

The borrower or spouse's unit normally pays the housing provident fund in full;

The applicant has a good reputation. When applying for monthly repayment, the borrower is in a normal repayment state.

Apply for monthly repayment of loan principal and interest, the balance of housing provident fund account shall not be less than 12 times of the monthly repayment amount of housing provident fund loans. According to the borrower's choice, the "loan repayment" approved by the center adopts the system automatic deduction method, and directly deducts funds from the borrower's or spouse's housing provident fund account to repay the loan principal and interest. When the balance of the housing provident fund account of the borrower or spouse reaches the deduction limit, the system will automatically deduct the money according to the account signed with the center. The funds in the housing provident fund account of the borrower and spouse are not repaid cumulatively. After applying for "loan repayment" business, the deduction will be made according to the normal repayment date (postponed in case of holidays).

Processing flow:

When applying for offsetting the loan repayment, the applicant shall provide the spouse's ID card, household registration book or a valid marriage certificate issued by the civil affairs department. ?

Applicants who have already issued loans apply to the center with the above materials, and fill in the "Dezhou Housing Provident Fund Entrusted Annual Repayment Agreement". ?

Applicants applying for new loans bring the above materials to the loan bank to apply and fill in the entrustment agreement. ?

The Center authorizes the loan bank to check the accuracy of the materials and information provided by the applicant, sign the entrustment agreement if it meets the requirements, and submit a copy of the agreement to the Center.