Repayment method of housing provident fund loan: 1. One-time repayment method: withdraw the balance of housing provident fund from the housing provident fund account and make one-time repayment. 2. Stop repaying the loan for several months, withdraw the balance of the provident fund account and repay the loan in advance. After repaying the loan in advance, the lender may stop lending for several months. After the loan repayment period ends, the lender shall continue to repay the loan on a monthly basis. No penalty interest or compound interest will be charged for the interest owed during the suspension period. 3. Monthly repayment method: directly withdraw the provident fund from the provident fund account for repayment every month. When the amount of housing provident fund withdrawn is insufficient, the lender shall make up the repayment amount in time.

How to repay after using the housing provident fund loan?

There are two repayment methods for housing provident fund personal loans: monthly equal principal and interest repayment method and monthly average principal repayment method.

"Monthly equal principal and interest repayment method" refers to the repayment method that the total amount of loan principal and interest repaid by the borrower remains unchanged every month, but the loan principal increases month by month and the loan interest decreases month by month.

"Monthly average principal repayment method" refers to the repayment method in which the borrower repays the principal fixed every month and the loan interest decreases month by month. It should be noted that the personal loan of provident fund within one year should be repaid in one lump sum at maturity; Personal provident fund loans with a term of more than one year shall repay the loan principal and interest on a monthly basis. If it exceeds the balance of your provident fund, it will be replenished in cash every month (deducted from your bank card or repaid in cash by yourself).

Extended data

Urban individual industrial and commercial households and freelancers can apply for housing provident fund deposit (note: not all housing provident fund management centers in community cities allow urban individual industrial and commercial households and freelancers to deposit housing provident fund, please consult local housing provident fund management agencies for details).

The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels. The monthly deposit base of urban individual industrial and commercial households and freelancers' housing provident fund is calculated in principle according to the average monthly tax revenue of the depositor in the previous year.

If the unit does not handle the registration of housing provident fund deposit for its employees or the establishment of housing provident fund accounts, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.