First, we must clarify a concept, not only provident fund loans, but also bank loans. Any repayment, annual repayment, partial repayment in advance, etc. , must follow the principle that the repayment amount must first bear the interest generated by the principal between the previous repayment date and the current repayment date according to the actual number of days, and the amount after deducting the interest can be directly used to deduct the loan principal.

Second, the current policy stipulates that a couple can only choose one mortgage method, and cannot choose both annual mortgage and monthly mortgage at the same time.

Third, your understanding of monthly payment is still wrong. After choosing monthly payment, you still have to ensure that there is enough balance on your bank card to repay the monthly loan. The center will transfer the corresponding repayment amount to your card next month according to your repayment situation last month. The same is true of Nianchong. At ordinary times, it is necessary to ensure that there is enough money on the card for repayment to prevent overdue.