Frequently asked questions about Foshan provident fund loan repayment

1. Q: Can I notify you by SMS in advance of the monthly repayment of provident fund loans?

A: Since July, 20 15, our management center has implemented SMS notifications, including loan principal and interest deduction notice (issued five days before deduction date), loans overdue notice (issued the day after overdue), loan application approval notice (issued the day after approval) and loan fund disbursement notice (issued the day after fund disbursement).

2. Q: How can I check the repayment status and repayment plan?

Answer: If the borrower needs to inquire about the repayment, he can print the repayment account number in the bank, or visit the website of the Bank's management center-Personal Inquiry-Loan-Loan Repayment Details to inquire about the personal repayment information (this page displays the detailed data of/kloc-0 months ago and five years ago, and the summary data of five years ago, including repayment principal, loan balance, repayment interest, etc. ).

If the borrower needs to know the repayment plan in the future, he can print the repayment plan at the original provident fund loan bank, or visit our website-personal inquiry-loan-repayment plan.

3. Q: Can the provident fund loan be repaid in advance?

A: The specific requirements for prepayment shall be implemented in accordance with Article 15 of the signed Foshan Housing Provident Fund Mortgage Loan Contract: "With the consent of Party B, Party A may prepay. Party A must go to Party B 20 days in advance to handle the written application procedures for prepayment. "

Our management center entrusts each undertaking bank to accept the prepayment business, and the borrower can directly apply to the undertaking bank. According to the borrower's application, the undertaking bank will input the information into the Bank's management center system and submit it to the Bank's management center for filing, and the Bank's management center will deduct the money on the repayment date agreed in the contract.

4. Q: There is enough money in the repayment account of the housing provident fund loan. Why is the deduction unsuccessful or only partially deducted?

A: The common reasons that lead to the abnormal repayment of housing provident fund loans are:

(1) The repayment account has been lost and frozen;

(2) The account number of the repayment account does not correspond to the account name, or the undertaking bank enters the account number and account name incorrectly;

(3) The borrower misremembered the repayment account;

(4) The borrower did not deposit the money before the repayment date (excluding the current day), but only deposited it on or after the repayment date, which missed the normal deduction time. (The "Foshan Housing Provident Fund Mortgage Loan Contract for Housing, House and Major Repair" signed with the undertaking bank has clearly stipulated relevant deductions. )

After the repayment account is confirmed to be correct, the borrower can check the account status, account number and account name at the undertaking bank, print the details of recent deposits and withdrawals, and check whether the full amount of funds has been deposited. If part of the repayment account has been deducted, the account status is normal. The borrower should inquire or print the detailed account of recent deposit and withdrawal at the undertaking bank to check whether the deduction belongs to repayment of provident fund loans and whether the funds have been fully deposited before the deduction. If the deposit is not timely or insufficient, our management center will make supplementary deduction through the undertaking bank 7 days after the deduction fails.