Refundable. Generally speaking, the advance payment is refundable. When the borrower pays off the loan in full, part of the guarantee fee can be refunded. The sooner all the loans are paid off, the more guarantee fees will be refunded. The specific refund amount depends on the repayment situation. The collection of 20 14 provident fund guarantee fee has been suspended, and the guarantee fee paid after 10 can be refunded.