One-time repayment method: withdraw the balance of the housing provident fund account and repay the loan at one time. Many people repay their loans in this way after retirement. After the loan is repaid, if there are still outstanding loans, the remaining loan principal and repayment period will be recalculated to determine the future monthly repayment amount.

Stop repaying the loan for several months: withdraw the balance of the provident fund account and repay the loan in advance. After repaying the loan in advance, the lender may stop repaying the loan for several months. (The time to stop repayment depends on the loan amount repaid in advance, but it cannot exceed 12 months. After the repayment period ends, the lender shall continue to repay the loan on a monthly basis. The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after the suspension. Some property buyers have changed their income at a certain stage (such as illness, childbirth, unemployment, etc.). ), and they often use this method to repay loans.

Monthly repayment method: directly withdraw the provident fund from the provident fund account every month to repay the loan. When the amount of housing provident fund withdrawn is insufficient, the lender shall make up the repayment amount in time.