After the provident fund loan, the contents in the provident fund account will not be directly offset. If you want to use the money in the provident fund account to repay the loan directly, the lender can handle the provident fund loan rush business at the same time, that is, directly use the balance of the provident fund account to repay part of the loan every month. : Precautions for repayment of provident fund loans 1. Balance repayment business The balance repayment business is applicable to the repayment of the provident fund part of the provident fund (portfolio) loan. It is a business that can directly offset the loan balance with the balance of the provident fund account. (1) If a husband and wife apply for a loan, they can use the balance of their provident fund account to offset the loan balance. (2) There is no time, frequency and amount limit for the balance repayment business. (3) The provident fund (portfolio) loan applied by CCB can not only offset part of the provident fund loan with the balance of the provident fund account, but also offset part of the mortgage. Whose account balance is used? I must be present and cannot act as an agent. Can't handle loans from other banks. (4) The balance loan repayment business has no liquidated damages, but the principal and interest of provident fund loans are mostly offset. (5) Handling requirements are: employee and spouse ID cards; Employee and spouse housing provident fund card; Marriage certificate or household registration book; Recent loan repayment vouchers or IOUs. 2. Large cash prepayment business The large cash prepayment business handled by the Provident Fund Center is applicable to the repayment of the provident fund part of the provident fund (portfolio) loan. If the borrower has liquidity on hand, the balance of the provident fund account is insufficient and there is a repayment demand, it is recommended to choose this repayment method. (1) The requested loan is not overdue at present, and the processing date is not the repayment date. (2) There is no time, frequency and amount limit for large cash prepayment. (3) Just deposit the cash into the bank withholding account, and I can bring my ID card to the counter of the provident fund center when handling it. If you need an agent, you need the agent to bring your valid ID card and the ID card of the main lender. (4) There is no penalty for prepayment of large cash, and the principal and interest of the loan will be repaid in advance. Must the provident fund be repaid for one year before it can be withdrawn? You can get the provident fund without paying back the loan for one year. Housing provident fund management center uses housing provident fund to entrust commercial banks to issue preferential loans to depositors of housing provident fund who purchase, build, renovate and overhaul their own houses and raise funds for cooperative housing. 1, the establishment of the housing provident fund system can effectively establish and form a mechanism and channel for employees with housing to help employees without housing, and the housing provident fund provides financial assistance to employees without housing, which reflects the mutual assistance of employee housing provident fund; For a long time, every urban employee must pay personal housing provident fund from the date of joining the work to retirement or termination of labor relations, and the employee's unit should also pay housing provident fund for employee subsidies as required; 2. The housing provident fund is earmarked for special purposes, and can only be used to purchase and build overhauled self-occupied housing or pay rent during the storage period. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts. According to Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the balance of their housing provident fund accounts under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Second, the balance of provident fund100000 yuan. Do you want to offset the principal

It is cost-effective for the balance of provident fund to offset the principal. According to the relevant regulations of housing provident fund loan management, when individuals purchase houses, build and decorate their own houses, and use provident fund or commercial loans, they can directly link their personal loan accounts with personal provident fund accounts in accordance with the regulations of the provident fund management center for repayment of loan principal and interest. In this way, it is convenient to go through the formalities of repaying the loan principal and interest, and the second is because the loan interest is much more than the deposit interest, so repaying the principal can reduce the interest expenditure.

3. Can the balance in the provident fund account repay the loan principal?

Every place has different regulations on the management of provident fund. Generally, you can borrow 70% of the total house price, but I don't know what you mean by down payment 15000. Do you want to pay 150000, or do you want the company to pay 150000?

If you plan to make a down payment of 1.5 million, the provident fund can only lend the remaining 50,000. Because your total house payment is only 200,000 yuan, you can't make a down payment of10.5 million yuan, and the provident fund will give you a loan of 70% (10.4 million yuan). You can make a minimum down payment of 60,000 yuan, and the remaining 6.5438+0.4 million provident fund loans. It is also ok to pay more for the down payment, and the rest can be borrowed from the provident fund.

In addition, the provident fund also stipulates that the balance of the paid provident fund can be used to offset the principal of the loan after one year, or the provident fund loan is not needed. After the provident fund comes out, the provident fund can be taken out with the real estate license for decoration or repayment.

Four, provident fund loan account balance does not offset the principal.

If employees apply for a combined loan of provident fund and commercial mortgage, at present, it is impossible to convert part of the mortgage into a provident fund loan. However, if the employee's provident fund account balance is large, they can apply for the provident fund balance mortgage business, that is, use the money in the provident fund account to repay part of the principal of the provident fund loan in advance.