公积金账户余额不足应该选择提前还款还是逾期还款？-保险法律援助-法律咨询免费平台-国际律师联盟

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问题	公积金账户余额不足应该选择提前还款还是逾期还款？
释义	法律分析：公积金贷款在贷款期内，每月应按期还款，若账户余额不足，则应考虑提前缴纳或申请逾期还款。提前还款可减少贷款利息，但需要交纳一定的手续费；逾期还款会造成逾期利息和罚款，对个人信用记录也会造成不良影响。因此，选择提前还款还是逾期还款需权衡利弊，根据个人实际情况做出决策。法律依据：《中华人民共和国个人所得税法》第三十六条个人住房公积金账户余额不足的，可以申请提前缴存或者申请逾期缴存。公积金借款人逾期还款的，应当按照规定交纳逾期利息和罚款。
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