The borrower repays the housing loan with the balance of his provident fund account. The repayment system is a mechanism for borrowers to repay housing loans by using the balance of their own provident fund, covering commercial loans and portfolio loans. There are two main repayment methods, namely "annual repayment" and "monthly repayment".

Annual mortgage refers to the borrower's annual withdrawal of its housing provident fund balance and one-time repayment of the loan balance. After this operation is completed, the monthly repayment amount of the loan will be recalculated and the borrower will continue to repay the loan on a monthly basis. Annual loan is suitable for borrowers who want to significantly reduce the loan balance every year, thus reducing the pressure of future repayment.

Yuechong requires the borrower to directly withdraw funds from his housing provident fund account every month to repay the principal and interest of the housing loan for that month. Monthly repayment helps borrowers to maintain a stable repayment rhythm and ensure the smooth implementation of the monthly repayment plan.