Commercial loans can be repaid monthly with provident fund. It is very common for provident fund to offset repayment. You can go to the provident fund management center to handle related business. After handling, withdraw the balance of provident fund every month or every year to deduct part of the repayment amount of commercial loans.

The requirements for applying for repayment of provident fund are as follows: 1. When applying for repayment of the provident fund, the borrower's housing provident fund is paid normally, and there can be no suspension or deferment;

2. When applying for repayment of provident fund, the borrower must repay normally for more than two months, with good credit and no overdue behavior;

3. When the borrower who withdraws the provident fund for repayment applies for repayment, the deposit amount of the housing provident fund shall be kept in the deposit account for more than 6 months.

City provident fund managers said: if the purchase time is less than one year, you can directly deduct the loan from the provident fund account every month. If the amount in the provident fund account has been purchased for one year, you can withdraw the loan to repay the house purchased by yourself and your spouse. When the amount of provident fund is insufficient, the client shall make up in time. This way can not only offset the principal and interest of commercial loans, but also offset the principal and interest of provident fund loans.