How can I repay the loan if I have money in the provident fund? Analysis of hot topics on the Internet in the past 10 days
Recently, provident fund loan repayment methods have become a hot topic on the Internet. Especially for depositors with balances in their accounts, how to efficiently use provident fund repayments has attracted much attention. This article will combine hotspot data from the entire network to provide you with a detailed analysis of the common methods and operating points of provident fund repayment.
1. Hot search data related to provident fund loans in the past 10 days
| Hot search keywords | search volume index | Main discussion platform |
|---|---|---|
| Provident fund offset loan | 580,000 | Weibo/Zhihu |
| Provident fund balance loan repayment | 420,000 | Baidu/Douyin |
| Monthly Conflict VS Yearly Conflict | 360,000 | WeChat/Toutiao |
| New Provident Fund Repayment Policy | 280,000 | Government official website |
2. Main methods for repayment of provident fund account balances
According to the regulations of local provident fund management centers, there are usually three modes for repaying account balances:
| Repayment method | Applicable situations | Processing channels |
|---|---|---|
| offset monthly | Account balance ≥ monthly payment amount | Mobile APP/Counter |
| Withdrawal by year | Account balance ≥ 3 months monthly payment | Online lobby/banking |
| One-time offset | Used when partial repayment is made in advance | Appointment required |
3. Comparison of policies in some regions in 2023
| city | Minimum deposit | Number of annual reversals | Online processing |
|---|---|---|---|
| Beijing | 10 yuan | 1 time/year | support |
| Shanghai | Monthly payment amount for 6 months | 2 times/year | Partially supported |
| Guangzhou | Unlimited | Unlimited times | whole process |
| Shenzhen | 3 months monthly payment | 4 times/year | whole process |
4. Operation precautions
1.Retention amount requirements: Most cities stipulate that a certain balance must be retained in the account. For example, Beijing requires a minimum balance of 10 yuan, and Shanghai requires a deposit of 6 months.
2.Processing time limit: Online applications are generally reviewed within 3 working days. It is recommended to avoid the peak period at the end of the month for counter processing.
3.Material preparation: It is necessary to provide ID card, loan contract, repayment statement and other materials. Some cities require spouses to apply together.
4.Deduction order: The system usually gives priority to using the provident fund account balance, and deducts the shortfall from the bound bank card.
5. Expert advice
1. Recommended options for borrowers with large provident fund account balancesAnnual offset method, which can directly offset the loan principal and reduce interest expenses.
2. Borrowers whose monthly income and monthly payment are basically the same are recommended to openMonthly reversal function, realizing automatic deduction to reduce repayment pressure.
3. Pay attention to the new policies introduced in various placesPolicies to benefit the people, for example, Wuhan recently allowed the withdrawal of provident funds to pay for the down payment of second-hand houses, and Chengdu launched a combination of "loan offset + renting" withdrawals.
4. Be sure to calculate before repaying earlyLiquidated damages cost, some banks still charge liquidated damages for early repayment within 3 years.
6. Frequently Asked Questions
Q: Why do I still need to repay the loan if my provident fund balance is sufficient?
A: Please pay attention to whether the repayment method has been changed to "offset loan", otherwise the system will still debit the bank card.
Q: How can both husband and wife repay the provident fund?
A: You can apply for joint offset and repayment, and the system will automatically deduct the account balances of both parties according to the registration order.
Q: Can I modify the repayment method after repaying the loan?
A: Usually it can be changed once a year, subject to the regulations of the local provident fund center.
Proper planning of provident fund repayment can not only reduce the pressure of loan repayment, but also improve the efficiency of fund use. It is recommended that borrowers regularly log in to their provident fund account to check balance changes and choose the most suitable repayment plan based on their financial situation.
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