Download the "mobile phone provident fund" App through your mobile phone, register and log in after downloading, click "loan business" in the "business handling" interface, and select "repay the principal in advance" or "settle in advance" to handle related business. It is necessary to remind the public that the provident fund shall not be used for the business of "repaying the principal in advance", and only the balance of the personal savings card can be used for repayment; You can apply to use the balance of the provident fund account to handle the "early settlement" business, and the online processing time is working days.

2. Repayment steps with mobile phone provident fund

Steps to repay the provident fund by mobile phone: (1) Applicants can check their remaining balance by calling the hotline of the provident fund management center and make an appointment to repay in advance; (2) First, the repayment person applies for prepayment, fills in the Application Form for Prepayment of Housing Provident Fund Loan of Housing Provident Fund Management Center or the Application Form for Prepayment of Partial Loan of Housing Provident Fund Loan of Housing Provident Fund Management Center, signs it and provides the required information. (3) Examination and approval by the entrusted bank; (four) the provident fund management center for examination and approval; (five) to repay the loan principal and interest in the bank; (6) Send the prepayment form to the provident fund center for filing. Whether there is penalty for prepayment of provident fund loans: It depends on the specific situation. The regulations of banks vary from place to place. Some banks still need to pay a certain penalty for repaying loans in advance, while others don't. You can carefully look at the provident fund loan contract signed with the bank to see if there is an agreement to repay the loan in advance and whether there is a penalty for repaying the loan in advance. If not, you don't need it. The relevant contents of the Regulations on the Management of Housing Provident Fund stipulate that the Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. Precautions for prepayment of provident fund: (1) The repayment time of provident fund loan is over one year; (2) The applicant is not overdue in the current state; (3) For those who apply for partial repayment in advance, the minimum repayment amount is 10000 yuan each time, and the loan principal and interest amount shall not be less than 12 months, and the loan shall be repaid once a year; (four) the borrower who has paid the loan normally for more than one year can withdraw the balance in the housing provident fund account to repay part or all of the loan, and can only withdraw it once a year; (5) There is no handling fee and penalty for early withdrawal of provident fund. Legal basis: Regulations on the Management of Housing Provident Fund Article 2 These Regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees. Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees. Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision. Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes. Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

3. What is the prepayment process of provident fund?

1. If the borrower who adopts the free repayment method wants to pay off the loan in full in advance, there are two options: to pay off the loan on the repayment date agreed in the contract or on the repayment date not agreed in the contract. A. Withdraw on the repayment date agreed in the contract.

Before the full payment can be completed in two ways: (1) through the agreed repayment amount of 96 155;

(2) Handling through the loan business department: The borrower goes to the loan business department to handle relevant formalities with the original and photocopy of his ID card (1 copy) and the original loan contract. The repayment amount is through the personal loan inquiry system of 96 155.

According to the "maximum repayment amount to the next repayment date" of your loan. This agreement shall be completed three working days before the deduction date agreed in the next contract (exclusive) and three working days after the deduction date agreed in the previous contract (exclusive).

All right. B. If the loan is paid off in full ahead of the repayment date agreed in the contract, the borrower shall apply to the loan business department with the original and photocopy of his ID card (65,438+0 copies) and the original loan contract to agree on the repayment date.

The agreed repayment date is three working days (excluding) after the last agreed repayment date, three working days (excluding) after the borrower goes through the repayment formalities at the counter, and three working days (excluding) before the next agreed repayment date.

Before. The repayment amount under this handling method needs to be calculated and determined by the handling department at that time according to the repayment date agreed by the borrower.

4. Is it necessary to repay the loan at the end of the month after the housing provident fund loan is repaid in advance?

They all have to be paid back, and there is no need to pay back the liquidated damages and all the money.

Repay part of the loan in advance, that is, the borrower repays part of the loan principal in advance before the housing provident fund loan expires.

The early withdrawal methods of individual provident fund are divided into two specific ways: full early withdrawal and partial early withdrawal. For example, the metal repaid in the current month is repaid in advance. Repaying part of the loan principal in advance should not be less than 6,543,800 yuan. Nowadays, many young people choose to use the provident fund. In the late stage of mortgage repayment, they will choose to repay in advance because of sufficient funds.

One-time debt service process

Applicants can check their remaining balance by calling the hotline of the provident fund management center and make an appointment for the relevant prepayment amount; The borrower applies for prepayment.

Fill in the Application Form for Housing Provident Fund Management Center or the Application Form for Early Repayment of Housing Provident Fund Loan in Housing Provident Fund Management Center, sign and submit it to the Provident Fund Management Center for approval, repay the loan principal and interest at the bank, and send the prepayment form to the Provident Fund Center for filing.