1. Balance repayment business

余额还贷业务适用于偿还公积金（组合）贷款的公积金部分。是直接可以使用公积金账户余额大额冲抵贷款余额的一种业务。

The balance repayment business is applicable to the repayment of the provident fund part of the provident fund (portfolio) loan. It is a kind of business that can directly use the balance of provident fund account to offset the loan balance.

夫妻双方一人申请贷款，可以使用两人的公积金账户余额去冲抵贷款余额。

When a couple applies for a loan, they can use the balance of their provident fund account to offset the loan balance.

余额还贷业务没有时间次数金额限制。

There is no time, frequency and amount limit for the balance repayment business.

建行申请的公积金（组合）贷款，不仅可以使用公积金账户余额冲抵公积金部分贷款，还可以冲抵按揭部分贷款。使用谁的账户余额，本人必须到场不可代办。他行贷款无法办理。

The provident fund (portfolio) loan applied by CCB can not only offset part of the provident fund loan with the balance of the provident fund account, but also offset part of the mortgage loan. Whose account balance to use, I must be present, not acting. Loans from other banks are not available.

余额还贷业务没有违约金，大额冲抵的是公积金贷款的本金和利息。

There is no liquidated damages for the balance loan repayment business, and the large amount offsets the principal and interest of the provident fund loan.

办理要件为：职工配偶身份证；职工配偶住房公积金卡；结婚证或同户籍户口簿；近期贷款还款凭证或借据。

The requirements are: employee spouse ID card; Housing provident fund card for spouses of employees; Marriage certificate or registered residence booklet. Recent loan repayment certificate or IOU.

二现金大额提前还款业务

2. Large amount prepayment in cash

公积金中心办理的现金大额提前还款业务适用于偿还公积金（组合）贷款的公积金部分。如果借款人手头有活动资金，公积金账户余额不充足，又有还款需求的，选择此种还贷方式。

The cash prepayment business handled by the provident fund center is applicable to the repayment of the provident fund part of the provident fund (portfolio) loan. If the borrower has active funds on hand, the balance of the provident fund account is insufficient, and there is a demand for repayment, it is recommended to choose this method of repayment.

办理要求贷款当前无逾期，且办理日期不为还款日当天。

The required loan is not overdue at present, and the processing date is not the date of repayment.

现金大额提前还款没有时间次数金额限制。

There is no time and amount limit for large amount of cash prepayment.

只需将现金存入银行代扣账户内，办理时本人携带身份证到公积金中心柜台办理即可。如需代办，需要代办人携带本人有效身份证和主贷人身份证。

Just deposit the cash into the bank withholding account, and bring my ID card to the counter of the provident fund center. If you need to do it, you need to bring your valid ID card and the main lender's ID card.

现金大额提前还款业务没有违约金，提前还款归还的是贷款的本金和利息。

There is no liquidated damages for large amount of cash prepayment business. Prepayment repays the principal and interest of the loan.

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