1, the provident fund can repay commercial loans. There are two ways for the provident fund to repay commercial loans:

(1) Withdraw provident fund;

(2) Entrusted extraction.

Workers may, after repaying the housing loan every month, entrust the local provident fund management institution and the loan bank to repay the loan every month and withdraw the housing provident fund, and directly transfer it to the designated personal bank account for deduction and repayment.

2. Legal basis: Article 16 of the Regulations on the Management of Housing Provident Fund.

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Second, how to inquire about the provident fund base?

Units that have opened the online business of housing provident fund can log in to the online service hall of provident fund, and inquire about the information such as the base of provident fund, the monthly payment ratio of units and employees, the monthly payment amount of provident fund and the monthly payment amount of subsidies for new employees online.

If you don't open the online business of housing provident fund, you can go to the place where the provident fund is handled, enter some information such as the provident fund account number at the counter or on the autonomous machine, and inquire about your monthly deposit base, monthly deposit amount and balance of the provident fund account.