The borrower should note that it can only be handled between 8:30- 1 1:30 on the working day of each month, and it is not allowed to be handled on the deduction day of each month and the first working day after the deduction.
Employees can freely choose the equal principal and interest method or the average capital method, and borrowers can sign an entrustment withdrawal agreement when handling provident fund loans. When the account balance is sufficient, they can automatically offset the monthly repayment with the balance of the provident fund account, avoiding the trouble of running to the bank for repayment every month.
In addition, for the provident fund portfolio loan handled by China Construction Bank, you can also choose to repay the balance, so that the account balance can directly offset the loan principal, reduce the monthly repayment amount and reduce the repayment pressure.
Repayment skills
Free repayment of provident fund means that when applying for housing provident fund loan to buy a house, the housing provident fund management center gives the minimum repayment amount according to the loan amount and term, and the monthly repayment amount will not be the same in the future, but it can freely arrange the monthly repayment amount according to its own income on the premise that the repayment amount is not lower than the minimum repayment amount.
It is worth noting that the free repayment of provident fund not only gives borrowers the greatest autonomy, but also puts forward higher requirements for borrowers in terms of technical means, risk prevention and income realization.
The monthly payment is basically decided by the borrower himself, which means that the overall interest payment is also decided by the borrower himself.
Generally speaking, when the provident fund loan is repaid, the less prepayment, the more interest is paid; The more you prepay, the less interest you pay.
1. Free repayment means "daily repayment", that is, the loan date is the day of the month and the repayment date is the day of the month. If there is no corresponding repayment date in the current month, the repayment will be made on the last day of the current month. For example: 65438+1October 3 1 loan, with repayment on February 28th.
2. If the borrower accidentally loses the bank card or passbook used for repayment, then the borrower must bring the bank card or passbook of the same bank to the management department applying for the loan in time to handle the change procedures.
3. After the borrower pays off all the loans, he should go to the loan management department to get the proof of paying off all the loans.
The borrower can repay all the loan principal and interest in advance, or repay part of the loan principal in advance.
Repay all the loan principal and interest in advance, and 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.
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.