First of all, let's go through some important details of the housing loan repayment process. You have to specify the years of your mortgage and work to ensure that all requirements are met during that period. Next, we will discuss in detail specific matters that you need to take note of。

What is it that needs attention to pay off the mortgage

First, remember to withdraw. When you repay the loan in full and in advance, the housing insurance contract ends simultaneously. The regulation makes it clear that you can apply to insurance companies for reimbursement of prepaid premiums with the original insurance policy and proof of full repayment of the loan. Therefore, once the full loan repayment is completed, you must receive your own money from insurance companies and tax authorities。

Second, don't forget the tax refund. Upon purchase of the property, all family members who may be subject to tax refunds are listed as owners of the property and an application for a “participant has paid a personal income tax basis credit” is processed to obtain his own “general tax contribution”. You have to apply to the tax authorities for a tax refund within six months after you have fully repaid the loan and obtained proof of real estate entitlement。

There is also the key point that you should not make early repayments in the first year of borrowing. Under the terms of the Provident Fund loan, partial early repayment is to be submitted after one year of repayment and the amount paid shall be at least six months of the full repayment period. In addition, if you have been overdue, this part of the arrears must be reimbursed before you can apply for early repayment。

So, how much of your own mortgage? First, you can go directly to the loan bank with your identity card, which has the advantage of being able to find not only the balance of the loan but also the repayment plan for the coming year. Second, you can also search for loan balances on the Internet, which is easy and fast, and can access information such as repayment records. Finally, you can also check through the bank's customer service phone, but this way you can only obtain information on the balance of the loan。