During the provident fund repayment period, if the couple divorces and needs to change the repayer, it is first necessary to clarify the ownership of the provident fund loan and the distribution of repayment responsibilities. The specific steps and precautions involved in this process need to comply with relevant legal regulations.

1. Clarify the ownership rights of provident fund loans

After the couple divorces, the ownership rights of provident fund loans need to be clarified. If the loan is applied for jointly in the name of both husband and wife, then after the divorce, both parties need to negotiate to determine the ownership of the loan. If negotiation fails, it can be resolved through legal channels.

2. Negotiate the distribution of repayment responsibilities

After determining the ownership of the provident fund loan, both parties need to negotiate the distribution of repayment responsibilities. If the loan is owned by one party, then that party should bear all the repayment responsibilities; if the loan is jointly borne by both parties, then the respective repayment ratios and methods need to be clarified.

3. Go through the procedures for changing the repayer

After negotiating the distribution of repayment responsibilities, you need to go to the Provident Fund Management Center to go through the procedures for changing the repayer. During the application process, relevant supporting documents are required, such as divorce certificates, ID cards of both parties, loan contracts, etc. At the same time, you also need to fill in the relevant application forms and pay the relevant fees as required.

IV. Notes

When going through the procedures for changing the repayer, you need to pay attention to the following points:

1. Make sure that the supporting documents provided are authentic and valid. , to avoid being unable to handle the procedures due to false information;

2. Understand the provident fund management center’s handling procedures and requirements in advance so that the procedures can be completed smoothly;

3. During the handling process Maintain communication with the Provident Fund Management Center to keep abreast of the processing progress and precautions.

In summary:

Divorcing and changing the payer during the provident fund repayment period requires clarifying the ownership of the loan, negotiating the distribution of repayment responsibilities, and completing relevant procedures. During the application process, you need to pay attention to the authenticity and validity of the documents, understand the application procedures and requirements in advance, and communicate with the provident fund management center.

Legal basis:

"Marriage Law of the People's Republic of China"

Article 39 provides:

In case of divorce , the husband and wife's separate property shall be handled by agreement between the two parties; if an agreement cannot be reached, the people's court shall make a judgment based on the specific circumstances of the property and the principle of taking into account the rights and interests of the children and the woman.

"Housing Provident Fund Management Regulations"

Article 20 stipulates:

The housing provident fund paid by the employee personally and the housing deposit paid by the employee's unit for the employee Provident funds belong to individual employees.