At present, the repayment methods of individual housing provident fund loans are:

(1) average capital repayment method. This method has the highest repayment amount in the first month, and then decreases month by month, so this method is often called "decreasing method".

(2) Equal principal and interest repayment method. This repayment method is to divide the loan principal and interest into several equal parts according to the loan term, and the monthly repayment amount is the same, so this method is often called "matching method".

Second, the repayment process:

The borrower shall repay the loan principal and interest in accordance with the repayment time and repayment method agreed in the provident fund loan contract. The specific calculation method of provident fund loan interest shall be clearly stipulated in the provident fund loan contract.

The borrower may apply for withdrawing the provident fund loan in advance, or apply for withdrawing the personal account balance of the provident fund in accordance with the Provisions of Shenzhen Municipality on the Administration of Housing Provident Fund Withdrawal to repay the provident fund loan.

Parents or children who are not co-applicants of * * * can apply to be co-payers of * * * and deduct the balance of their personal provident fund account to repay the applicant's provident fund loan in advance, and deduct it once a year.

Third, advance payment

Please click here to check the conditions and procedures related to prepayment.

Four. FREQUENTLY ASKED QUESTIONS

Frequently asked questions and answers about the repayment of Shenzhen Provident Fund can be found here.