I just bought a house, too, and the loan has not been paid back. It is also a combination loan, with a provident fund of 200,000 yuan and a commercial loan of 1.9 million yuan. I have to pay a guarantee fee of about 7500 yuan, saying it is necessary for provident fund loans. I'll pay you back after I repay the loan, and go directly to the bank to give it to the bank. Your loan is similar to mine, and the guarantee fee should be similar.