The formula for calculating the interest of provident fund loans is: interest = principal × interest rate × deposit period ×(1- interest tax). The amount of housing provident fund loan interest depends on three factors: principal, deposit period and interest rate level. The conditions for the loan accumulation fund to be able to lend are that the main body is qualified, there is a contract to buy a house, and there is a stable occupation and economic income.

The repayment method of equal principal and interest is to repay the same amount of loans (including principal and interest) every month during the repayment period. As the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.