1. Original ID cards of the borrower and spouse;
2. The original loan contract retained by the borrower;
3. Bank passbook/card agreed repayment;
4. Application form for entrusted deduction and repayment.
Procedures for entrusting deduction of housing provident fund:
1. Borrowers and their spouses who apply for entrusted deduction of housing provident fund to return provident fund loans go to the bank where they open the account or log on to the housing provident fund website to download the Application Form for Entrusted Deduction of Housing Provident Fund to Return Provident Fund Loans, and fill in relevant information truthfully;
2. The client unit verifies the identity, account number and other relevant information of the application form. If it is verified to be correct, it shall be stamped with the bank seal reserved by the unit provident fund;
3. The customer shall go to the bank where the account is opened with the application form, the original and photocopy of the ID card, and the bank savings repayment passbook (card) agreed to repay the provident fund loan.
Housing provident fund entrusted deduction is divided into two ways: monthly deduction and annual deduction:
1. Monthly deduction for repayment: After the borrower repays normally 1 month, the management center can automatically deduct the deposit amount of the client's housing provident fund on the 20th of each month according to the entrustment of the loan applicant, so as to repay the principal and interest of the provident fund loan in that month, and the provident fund with the agreed monthly deposit amount of 6 times cannot be used for deduction.
2. Deduct the loan year by year: After the borrower repays the loan normally for six months, the management center can automatically deduct the deposit amount of the customer's housing provident fund 1 time every year according to the entrustment of the loan applicant, so as to partially repay or settle the provident fund loan in advance, in which the agreed retention amount is 100 yuan. While choosing to deduct and repay the loan year by year, customers can choose to reduce the monthly repayment amount or shorten the loan period, and still need to repay the principal and interest of the provident fund loan with their own funds every month.