Is it appropriate to repay the housing provident fund loan in advance? I borrowed it for 26 years and paid it back in half a year. Is it worth paying back100000 in advance now?

Never prepay. At present, the interest rate of provident fund loans is lower than that of five-year time deposits. If you deposit 10w in the bank for five years, you will get more interest than if you return 10w to the provident fund center.

Therefore, it is more cost-effective for you to deposit your money in the bank. If you need it urgently, you can also ask for a part of 10 1w time deposit. The liquidity of funds is much better, and it is not easy to get the money after the loan is completed.

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