Help a friend ask how to handle the one-time repayment of Shanghai provident fund?

There are two ways to make one-time repayment in Shanghai Provident Fund: 1. Use the provident fund account to repay the loan annually, that is, repay the loan principal in one lump sum in April or September every year. After the repayment, the loan bank will recalculate the repayment amount according to the remaining loan principal and years. Under normal circumstances, the actual storage balance of accounts (housing provident fund account and supplementary housing provident fund account) at the time of withdrawal is withdrawn by the integer 10 yuan (reserved below 10 yuan, including 10 yuan). Considering the need to use provident fund loans in the later period and the need to maintain a certain balance in the account, this method is not recommended. 2. If the principal lender, his spouse and lineal blood relatives do not use the housing provident fund to settle the loan in advance, and there is no housing provident fund loan and there is no entrustment to withdraw the housing provident fund to return the housing loan, if the loan is settled in advance in cash, the housing provident fund can be withdrawn. According to what you said, you can ask to keep part of the balance in your account when you withdraw money. ) The extractor holds the personal loan settlement voucher (valid within three months) printed by the loan bank through the real-time processing system of Shanghai Provident Fund Management Center, the loan contract, the certificate of the relationship between the extractor and the main lender, and the ID card of the extractor, and issues the Shanghai Housing Provident Fund extraction certificate to the unit to which the housing provident fund account belongs. If your housing provident fund account provides the Shanghai housing provident fund withdrawal certificate issued by the business outlet of Shanghai Provident Fund Management Center and the application review form for housing provident fund withdrawal of sealed households in the "Centralized Sealed Account of Shanghai Provident Fund Management Center", you can go to the business outlet of China Construction Bank to handle the withdrawal business. It should be noted that the withdrawal amount shall not be greater than the amount paid in cash when you settle in advance. To apply for withdrawal of the housing provident fund of a spouse, lineal relatives or members of the same family, centralized withdrawal procedures shall be handled at one time.