According to the information you provided, it is assumed that the total loan amount is RMB 320,000. Provident fund loans generally use the equal principal and interest repayment method, that is, a fixed amount is paid every month, including principal and interest.

First, we need to consider the impact of interest rates. The interest rate of provident fund loans is usually based on local policies and regulations. You can refer to the publicity of relevant government departments or consult the local provident fund center to obtain the most accurate information. Suppose the interest rate is 4%.

Secondly, according to the total loan amount and loan period, the monthly repayment amount and repayment period can be calculated. Assume that the loan period is 20 years (240 months), that is, the repayment period is 240 months.

Through the repayment formula of equal principal and interest:

Monthly repayment amount = (total loan amount × monthly interest rate ×( 1+ monthly interest rate) repayment period) /(( 1+ monthly interest rate) repayment period-1)

The monthly interest rate is the annual interest rate divided by 12, and the repayment period is the loan period multiplied by 12.

According to the above data and formula, the monthly repayment amount is about 2728.27 yuan. Among them, the calculation formula of monthly interest expense is: the remaining loan amount of this month × monthly interest rate.

Assuming that it has been returned for 7 years (that is, 84 months), use the above data to calculate:

First, calculate the remaining principal to be repaid:

Residual principal = total loan ×(( 1+ monthly interest rate) repayment period -( 1+ monthly interest rate) repayment period) /(( 1+ monthly interest rate) repayment period-1)

Among them, the repayment period is 84 months.

Using the above formula, the remaining principal to be repaid is about 230,600 yuan.

Therefore, according to the above situation, there are still about 230,600 yuan outstanding. Please note that the above answers are only based on the information provided and some assumptions, and the actual situation will be different according to factors such as loan agreement and interest rate adjustment. It is recommended that you contact the lender or provident fund center to obtain accurate information.