1. In portfolio loans, commercial loans can be repaid in various ways recognized by commercial banks, while provident fund loans can be repaid freely. If the lender's provident fund account has sufficient funds, you can sign a monthly transfer repayment withholding service, so that when making monthly repayment, you will deduct the money from the provident fund account first, and then deduct the money from the lender's bank repayment account when the balance in the account is insufficient.

2. For commercial loans, you can also automatically deduct money from the bound bank account according to the agreed date. Therefore, for lenders, it is an insurance practice to prepare enough money in the repayment account in advance every month.

3. If the lender wants to repay the loan in advance, he can choose the part he wants to return according to his own wishes. Generally speaking, he will choose to repay the commercial loan in advance, because the interest of the provident fund is too low and there is no need to repay the loan in advance.

4. In the portfolio loans handled, some repayment rules of provident fund loans will be in accordance with the provisions and implementation standards of provident fund management. Part of the repayment rules of commercial loans shall be implemented in accordance with the provisions and implementation standards of commercial banks.

5. Compared with provident fund loans, the proportion of commercial loans is usually higher and the interest is much higher. Therefore, for the majority of house slaves, if the commercial loans are repaid first, then the provident fund loans will be repaid slowly, which can alleviate many repayment pressures. However, it should be noted that if you want to repay in advance, you must use your personal savings to repay. Repayment with the provident fund can only be part of the provident fund loan.

Which repayment method is more cost-effective?

1, repayment method of equal principal and interest

Matching principal and interest repayment method is suitable for borrowers with stable income. Its disadvantages are that the interest will not decrease with the repayment of the principal amount, the bank funds take up a long time, and the total repayment interest is relatively high. The repayment method of equal principal and interest repayment is adopted, and the same amount is paid every month, which is convenient to operate, and it is also convenient to arrange income and expenditure by bearing the same amount every month.

2. Average capital repayment method.

In the average capital, the total interest expenditure is low, but the principal and interest paid in advance are more, and the repayment burden is reduced month by month. The repayment method of average capital is adopted, and the borrower will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date.

3. One-time repayment of principal and interest

One-time repayment of principal and interest is actually aimed at some small short-term loans, and this repayment method will be more strictly approved by banks. This repayment method is simple to operate, but its applicability is not strong.

4. Pay interest on schedule

Not all banks have this repayment method of paying interest on schedule. This method is suitable for people with unstable income. The repayment method of repaying principal and interest on schedule is adopted, and it is decided to repay at monthly, quarterly or annual intervals. In fact, according to different financial conditions, the borrower collects the money to be repaid every month and pays it back together for several months.