Legal analysis: "The calculation rules of liquidated damages for prepayment of bank provident fund loans are as follows: 1, 1 year, and the bank will charge 3% of the prepayment amount as liquidated damages; 2. In case of prepayment within1-2 years, the bank will charge 2% of the prepayment amount as penalty; For prepayment within 3.2-3 years, the bank will charge 1% of the prepayment amount as liquidated damages; Wait. "

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.