One day after the provident fund loans overdue, the lending bank has the right to automatically deduct the money. The borrower shall repay the loan on a monthly basis, and may choose to repay the loan by himself or entrust the loan bank to withhold it on his behalf. The borrower and the loan bank sign a withholding repayment agreement and apply for a personal repayment savings card. The borrower can deposit the repayment amount for several months or deposit the full repayment amount before the 20th of each month, and the bank will directly deduct the loan principal and interest from the borrower's savings account.