Withdraw all the balance in the provident fund account to repay the loan principal (once a year, there must be a certain balance in the account, which varies from place to place); After the principal is paid off, the loan principal is reduced and the total interest is also reduced. Monthly payment or service life will be recalculated. If the service life remains the same, the monthly payment will be reduced after recalculation. If the monthly payment remains unchanged, the repayment period will be reduced. Then you can choose.

After withdrawing the provident fund, it is "associated" with my repayment card. For example, after you make a monthly payment of10.5 million and withdraw10.5 million, you will associate the repayment card. After 10 months, there is no need to deposit money in the card, and the loan will be repaid with the money from the provident fund.

Withdrawal procedures: Bring the loan contract, repayment card (or provident fund card), my ID card and the Certificate of Withdrawal of Provident Fund issued by the company. If you want to withdraw your spouse's provident fund, you should go through the formalities at the loan bank or the local provident fund management center with your marriage certificate, ID card and the Certificate of Provident Fund Withdrawal issued by your spouse's company.