In fact, the law stipulates that developers cannot restrict borrowers from applying for loans at designated banks. If you can do it, you can go out and find the bank yourself. If your personal conditions are good enough, you are not afraid of not doing it without a bank, and you can save a lot of money that is actually a kickback to developers.

If the developer is tough, the worst way is to apply for all commercial loans and get a discount on insurance premiums, and then you can withdraw the provident fund and repay the loan principal in one lump sum. The repayment principal is not restricted by "no prepayment within one year"

Hehe, I am from Shanghai mortgage, and I can only give you a general opinion. Different places have different policies.