Matching principal and interest repayment method: the principal increases month by month, the interest decreases month by month, and the monthly repayment amount remains unchanged.

That is, the borrower repays the loan principal and interest in equal amount every month, and the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.

Average capital repayment method: the principal remains unchanged, the interest decreases month by month, and the monthly repayment amount decreases. Suitable for planned prepayment.

That is, the borrower repays the loan principal with the same amount (loan amount/loan months) every month, and the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month. The sum of the two is the monthly repayment amount.

From the above, it seems that repaying the loan in advance has no effect.

2. Commercial loans cannot be converted into housing provident fund main loans.

If it is average capital, you can repay interest. In fact, 90,000 yuan is not a lot, and spending money on it is nothing. If you must be so careful, you might as well have some money in your hand and make an investment or something, Qian Shengqian.