Legal analysis: housing provident fund loans can be repaid in advance, because prepayment can really pay a lot less interest than the original loan plan, which is a good way to save money; However, if you repay in advance, your liquidity will be significantly reduced at this time. If you encounter good investment channels or other situations that are in urgent need of funds, you may be stretched.

Legal basis: Article 20 of the Regulations on the Management of Housing Provident Fund stipulates that the unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid. Units that have real difficulties in depositing housing provident fund may reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination and approval by the housing provident fund management center and the housing committee; After the economic benefits of the independent company improve, increase the deposit ratio or pay deferred payment.