2. The unified deduction time hasn't arrived yet. The provident fund is deducted uniformly, and the repayment time is different in each region. In most areas, the date of deduction is Tuesday and Thursday of each week. Suppose Ms. X's provident fund deduction date is 25th of each month, but 25th of each month is not Tuesday or Thursday, then the deduction will be postponed to next Tuesday or Thursday.
The bank card has been frozen. Lenders can check whether their bank cards are frozen due to the expiration of their ID cards. If the bank card is frozen, you can only deposit money, but you can't withdraw money, and you can't deduct money from the provident fund.
The provident fund must meet the corresponding conditions when handling loans, such as paying the housing provident fund in full for more than 6 months or 1 year; Have a stable income, good credit and the ability to repay the principal and interest of the loan; Other conditions stipulated by laws, regulations, rules and provident fund centers.
If the provident fund is overdue, there will be a penalty interest, which will be paid when it is returned later. Moreover, overdue records will be uploaded to the credit information center, resulting in poor personal credit information. Subsequent loan applications will be rejected by the bank, and will remain in the credit information for 5 years after overdue return, and will automatically disappear after 5 years.
When users apply for loans with provident fund, the loan interest rate is lower than the commercial loan interest rate, so the interest paid after the loan is less, which is beneficial to repay the arrears. However, when handling loans, there will be restrictions on the amount of provident fund loans. If it is insufficient, you can apply for commercial loans to supplement it.