2. After the provident fund loan is paid off, the borrower has to go through the settlement procedures. The borrower takes his ID card, repayment card and loan contract to the local provident fund management center to settle the loan. It should be noted that it can only be processed between 8: 30- 1 1: 30 on the working day of each month, and it is not allowed to be processed on the deduction day of each month and the first working day after deduction.
Repayment method of provident fund loan:
One is one-time repayment: it means to obtain the balance of the housing provident fund account from the entrusted bank once a year, repay the loan principal once, and recalculate the monthly repayment amount according to the remaining loan principal and repayment period after repayment. After one-time repayment, the monthly repayment demand uses the customer's own funds, not the money in the provident fund account.
The other is the monthly repayment method: its content is to obtain the method of repaying the loan principal and interest of the current month from the customer's provident fund account every month. If the amount of provident fund obtained is not enough, customers should also make up their repayment amount. This way can not only offset the principal and interest of provident fund loans, but also offset the principal and interest of commercial loans.
If you have not used the provident fund in the first six months after paying off the provident fund, you can apply for a second provident fund loan immediately after repaying the first provident fund loan in advance; If you have used the provident fund when you settle down or within 6 months, you must wait another 6 months before you can apply for a loan. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. When buying, building, renovating or overhauling owner-occupied houses in cities and towns in this city, you can apply for housing provident fund loans from banks with the property houses you own as collateral and as loan repayment guarantee.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Thirteenth housing provident fund management center shall set up a housing provident fund account in the entrusted bank.
The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.
The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.
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