If you have plenty of money, you can choose to return all the account balances in April or September every year. After that, the bank will recalculate the repayment principal and interest for you every month and choose the annual payment that can save interest.

If the funds are tight, you can choose to repay on a monthly basis. If you want to do it specifically, you can bring your ID card, provident fund account number and loan contract with you after the first normal repayment, and go to the loan bank to handle the repayment procedures of the latest bank statement.