The balance of the bank card on the repayment date of the provident fund loan is insufficient. If it is overdue, it is better to make it up as soon as possible. The solution is as follows:

1. Replenish the balance to the bank as soon as possible.

2. That person's ID card goes to the bank to explain.

3. After review, overdue violations will generally be cancelled.

Loans overdue provident fund, repayment needs to be handled at the bank counter, and related procedures should be handled at the counter of the loan business department with the original ID card. And pay a certain amount of liquidated damages, with penalty interest amount = overdue principal and interest × penalty interest rate (annual loan interest rate ÷360 days × 150%)× overdue days.

Extended data

When applying for housing provident fund loans, personal credit report audit standards:

1. The borrower and the borrower's personal credit report have credit records for 24 consecutive months. During this period, any loan or credit card repayment that is in arrears for 3 consecutive periods (inclusive) or accumulated for 6 periods (inclusive) is not eligible for housing provident fund loans.

2. "1" and "2" appeared in the quasi-credit card in the personal credit report of the borrower and the * * * borrower for 24 consecutive months, but "3" did not appear. In principle, it does not belong to the scope of bad credit records.

3. As long as the credit record within 24 months meets the above personal credit conditions, you can apply for housing provident fund loans.

References:

Baidu Encyclopedia: Housing Provident Fund Loan