1. Cash repayment: Bring the repayment amount and go to the bank or ATM machine with the designated repayment account to make repayment;

2. Withdraw provident fund: Confirm the amount of provident fund. It is also very convenient to apply for withdrawal of provident fund one month in advance for repayment, and go to the counter of the local provident fund processing center;

3. Early repayment: Loans must have a lot of interest, and the same is true for provident fund loans. There is interest. When you are financially able, you can repay in advance, which can save a lot of money;

4. Online repayment: Before the repayment date, transfer money in advance to the designated repayment bank through online banking. repayment account.

Tips for Provident Fund Repayment

Equal amounts of principal and equal amounts of principal and interest are two traditional repayment methods. Regarding these two methods, to put it simply, equal amounts of principal are equal to the loan interest. It is more cost-effective, but the upfront repayment pressure is high; for equal principal and interest, although the total interest is higher, the repayment pressure is less.

In addition to the above two traditional repayment methods, there is also a provident fund free repayment method. Provident fund free repayment means that when applying for a housing provident fund loan to buy a house, the housing provident fund management center will give a minimum repayment amount based on the loan amount and term. In the future, the monthly repayment amount only needs to be no less than this minimum repayment amount. The borrower You can repay freely according to your income and expenditure of the month.

Although provident fund free repayment allows borrowers to freely decide their monthly repayments and overall interest payments, this means that there are higher requirements for borrowers' risk prevention and economic balance and expenditure. Generally speaking, when providing provident fund free repayment, the smaller the upfront repayment, the more interest will be paid; the more the upfront repayment, the less interest will be paid.

What to do after the provident fund loan is repaid

1. If the borrower has not obtained the property ownership certificate, the borrower needs to submit a settlement certificate to the developer of the purchased property;

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2. If you have applied for a mortgage and obtained a property ownership certificate, you need to check the borrower's loan guarantee type, which is divided into two types: mortgage and guarantee.

(1) For guarantee types, inform the borrower to go to the guarantee company on the second floor of the Construction Building to obtain the real estate registration certificate.

(2) Inform the borrower of the mortgage type to bring the original and two copies of his or her ID card, a settlement certificate, and the original property ownership certificate to A201 of the Provident Fund Building to apply for a real estate registration certificate and issue a power of attorney for cancellation certificate. Then go to the nearest real estate registration center to handle the certificate replacement business. In addition, please consult the Real Estate Registration Center for questions about adding your name to the real estate certificate.

The above is the relevant content shared by the editor about how to repay after applying for a provident fund loan. For more information, you can pay attention to the construction industry to share more useful information