The housing accumulation fund consists of two parts, one part is paid by the unit where the employee works, and the other part is paid by the individual employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit. Next, I'll sort it out for you. What should I do if Guangzhou Provident Fund doesn't deduct money on the agreed repayment date? I hope I can help you.

What if there is no deduction on the agreed repayment date of Guangzhou Provident Fund?

1. First, check whether the balance of your repayment account is sufficient all day (00: 00-24: 00) on the agreed repayment date.

2. If the balance of the agreed repayment date is sufficient for the whole day, but the deduction has not been made, please ask the employee to keep the account balance sufficient and wait for the subsequent deduction by the center. If the deduction is delayed due to central reasons, it will not be uploaded to the credit information system as an employee overdue record.

At present, the repayment methods of individual housing provident fund loans are:

1, average capital repayment method. This method has the highest repayment amount in the first month, and then decreases month by month, so this method is often called "decreasing method".

2. Equal principal and interest repayment method. This repayment method is to divide the loan principal and interest into several equal parts according to the loan term, and the monthly repayment amount is the same, so this method is often called "matching method".

3. The borrower can choose the repayment method according to his actual situation.

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