Legal analysis: early withdrawal of housing provident fund is divided into two ways: partial early withdrawal and full early withdrawal. 1. The house lender submits an application for prepayment to the municipal housing provident fund center, which is reviewed and signed by the staff of the credit department of the center and stamped with the pre-existing business seal of the credit department. Lenders go to the bank to handle repayment procedures with an application for prepayment. 2. The prepayment applicant settles the loan at the entrusted bank, and submits the repayment statement issued by the bank to the Credit Department, and the staff of the Credit Department will review and sign the opinions and affix the business seal of the Credit Department; The personnel of the Credit Department shall indicate in the stub column of the Application Form for Early Repayment that they regret the lender's settlement of the loan and sign it. 3. Repayment in advance shall go through the relevant mortgage cancellation procedures at the guarantee company with the repayment form signed by the credit department. Just apply to the bank one month in advance. The specific regulations or contracts signed by local banks may be slightly different. For example, some banks still need to pay a certain penalty for repaying loans in advance, while others don't. You can take a closer look at the provident fund loan contract signed with the bank, what is the agreement to repay the loan in advance (most people may not care much about this when signing the contract), and whether there is any penalty for repaying the loan in advance. If not, you don't need it. If you repay the loan in advance, you may need to sign a loan repayment contract with the bank separately. You can choose to shorten the loan time or reduce the monthly payment, which will generally shorten the loan.

It saves a little time.

Legal basis: Determination of discount amount and discount period in Article 5 of the Interim Measures for the Administration of Policy Discount on Individual Housing Loans of Central State Organs (1) The fund center determines the single discount amount according to the following criteria: 1. It shall not exceed the amount of discounted commercial loans calculated according to the borrower's commercial loan term, monthly household income and housing provident fund loan interest rate; 2. Do not exceed the single maximum discount amount specified by the fund center; 3. The proportion that does not exceed the total purchase price stipulated by the fund center; 4. Not exceeding the commercial loan amount applied by the borrower. Commercial loans exceeding the discount amount are not entitled to discount. (2) The fund center determines the discount period according to the following criteria: 1. Do not exceed the preferential period calculated according to the single preferential amount, family monthly income and housing provident fund loan interest rate; 2. Do not exceed the longest discount period specified by the capital center; 3. The maximum repayment age of the borrower of the housing provident fund loan that does not exceed the same conditions stipulated by the provident fund center; 4. The term of commercial loan applied by the borrower shall not exceed. Commercial loans that exceed the discount period do not enjoy discount.