Provident fund loans can choose average capital repayment method or matching principal and interest repayment method, which method should be decided according to individual circumstances. Matching principal repayment means that the principal amount repaid each month is equal, and the interest amount will decrease month by month. This method has great pressure to repay in advance, and the total amount of interest paid is relatively small, which is suitable for those who want to pay less interest or intend to repay in advance. The equal principal and interest repayment method is also called regular interest payment, and the borrower repays the loan principal and interest with the same amount every month. The monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled monthly. The characteristic of this method is that the monthly repayment of principal increases month by month and the interest decreases month by month.