How to check how much the provident fund loan has been repaid?

Provident fund to check whether the loan has been repaid, you can log in to the housing provident fund management center in official website or go to the counter of the housing provident fund management center to check; Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

1. Telephone inquiry: customers can call the hotline of the entrusted bank directly and consult the customer service staff of the bank through the manual service channel. After the customer service personnel verify the customer identity information, they will inform the customer of the query results.

2. Online banking/mobile banking inquiry: Customers log in to the online banking/mobile banking client, find their own provident fund loans on the personal account page, and check the bill inquiry.

3. Counter inquiry: If there are business outlets near work and residence, customers can directly bring personal ID cards, repayment bank cards and other materials to the business outlets to find counter staff to apply for inquiry.

4. SMS inquiry: Generally, banks will send SMS reminders a few days before the repayment date, and the content of SMS usually includes repayment amount, remaining loans, etc. Therefore, customers only need to look through the short messages sent by the bank received in their mobile phones in the past to know.

The provident fund can be used to repay the mortgage, and the balance of the provident fund can be withdrawn from the housing provident fund account to repay the loan in one lump sum. Many people need to repay their loans in this way after retirement. After repaying the loan, if the loan has not been paid off, the principal and repayment period of the remaining loan will be recalculated to determine the future monthly repayment amount. You can also withdraw the balance of the provident fund account and repay the loan in advance. After repaying the loan in advance, the lender in need can stop lending for several months. After the loan repayment period ends, the needy lender must continue to repay the loan on a monthly basis. Interest owed during the suspension period is not subject to penalty interest and compound interest, and needs to be deducted from the monthly repayment after the suspension period. Some property buyers have changed their income at a certain stage (such as illness, childbirth, unemployment, etc.). ), so they often use this way to repay the loan.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 7 of People's Republic of China (PRC) Commercial Bank Law

When a commercial bank conducts credit business, it shall strictly examine the borrower's credit standing and guarantee to ensure that the loan can be recovered on schedule. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.