Legal analysis:/kloc-You can apply for prepayment after 0/2 months. Before 19 of each month, the borrower shall go directly to the loan issuing bank to go through the repayment formalities with his ID card and repayment card. There is no penalty for early repayment, and it can be paid off in one lump sum or in part, and the amount of partial early repayment should be an integer multiple of 10000 yuan.

Legal basis: Regulations on the Management of Housing Provident Fund

Ninth housing provident fund management committee shall perform the following duties in the management of housing provident fund:

(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;

(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;

(three) to determine the maximum loan amount of housing provident fund;

(four) approval of housing provident fund collection and use plan;

(five) to consider the housing provident fund value-added income distribution plan;

(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.

Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.