There are three ways to repay mortgage with provident fund and mortgage with provident fund. 1. One-time repayment method: Withdraw the balance of the provident fund from the housing provident fund account and repay the loan at one time. Many people repay their loans in this way after retirement. After repayment, if there are still outstanding loans, the remaining loan principal and repayment period will be recalculated to determine the future monthly repayment amount. 2. Withdraw the balance of the provident fund account by stopping repaying the loan for several months, and repay the loan in advance. After repaying the loan in advance, the lender may stop lending for several months. (The time to stop repayment depends on the amount of repayment in advance, but it cannot exceed 12 months. After the repayment period ends, the lender shall continue to repay the loan on a monthly basis. The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after the suspension period. Some property buyers have changed their income at a certain stage (such as illness, childbirth, unemployment, etc.). ), and they often use this way to repay the loan. 3. Monthly repayment method directly withdraws the provident fund from the provident fund account every month to repay the loan. When the amount of housing provident fund withdrawn is insufficient, the lender shall make up the repayment amount in time. If you apply to repay the loan with the provident fund, you can apply directly to the loan bank and sign the Power of Attorney for Withdrawing the Housing Provident Fund and Returning the Housing Loan (hereinafter referred to as the Power of Attorney). After the loan principal and interest are settled, the power of attorney will automatically terminate. If one-time repayment is adopted or repayment is stopped for several months, a power of attorney will be signed in May 438+0-March, and the provident fund will be repaid in April-June; Sign the power of attorney in April-August, and repay the loan from the provident fund in September -65438+ 10; If the Power of Attorney is signed in September-June, 65438+February, the provident fund will be repaid in April-June of the following year. If monthly repayment is adopted, the provident fund will be repaid after 3 1 day accepted by the bank. Buyers who use the housing provident fund for personal housing loans, housing portfolio loans or commercial housing loans may apply for repayment of the provident fund. The spouse and immediate family members of the purchaser can repay the loan with their own provident fund.

Legal subjectivity:

Provident funds can be loaned.