1. Mortgage repayment: mortgage repayment is carried out by combining provident fund loans with commercial loans. Repay the provident fund and commercial loans respectively according to the agreed repayment amount every month.
2. Partial withdrawal: According to the provisions of the provident fund policy, the provident fund can be partially withdrawn for mortgage repayment. According to the agreed repayment amount, the withdrawal part of the provident fund will be returned together with the commercial loan every month.
3. Full withdrawal: Under special circumstances, such as unemployment and illness of buyers, you can withdraw the provident fund in full for mortgage repayment. After full withdrawal, the provident fund will be returned to the commercial loan in one lump sum.
It should be noted that the use of provident fund to repay mortgage loans needs to comply with relevant policies and regulations, and the specific operating procedures and conditions may vary according to different regions and policies. Please consult your local provident fund management department or bank for specific operation procedures and conditions.
If the loan application is rejected, you can check your credit status in the "general credit check" before applying for a loan. If the credit is not good, wait for a period of time, and then apply when the credit risk score is not high and there is almost no stain, so it will be easier to pass.