According to Fatu. com, the interest calculation method of prepayment of housing provident fund loans mainly depends on the time and method of prepayment. The following is the specific calculation method:

1. If you choose to repay all the loan principal and interest in advance, the bank will re-check the remaining loan principal and interest according to the actual number of days occupied by the loan, and the interest will be calculated until the prepayment date, but no interest will be calculated for the repaid loan.

2. If you choose to repay part of the loan principal and interest in advance, the bank will recalculate the monthly repayment amount or loan term according to the remaining loan principal. In addition, the interest paid in advance is usually the accrued interest from the interest settlement date of last month to the early repayment date of the loan principal. After prepayment, the interest of the repaid loan is not calculated, but the monthly loan interest is calculated according to the remaining loan principal and the monthly loan interest rate.