If your provident fund is deposited in Beijing Housing Management Center and its sub-centers, you can apply for a provident fund loan with principal repayment method in the bank. Generally speaking, the bank will not refuse or block it, because the provident fund loan bank does not earn interest, but only earns handling fees, and the amount of interest does not matter to the bank. But I don't think the equal principal method is necessarily suitable for everyone. Because: under the condition of the same loan term, the average capital method saves interest than the equal repayment method, but the repayment amount of the average capital method is larger in the first few months or even more than ten months. If you can afford a higher monthly payment, why not shorten the loan period, which can save more interest. Generally speaking, people's income is getting higher and higher, and there is no need to get less and less, don't you think? For example, in 20 years, average capital will pay more interest than in 20 years in average capital Province, but 15 average capital will definitely pay more interest than in 20 years in average capital Province.

2. Can the provident fund loan be repaid with equal principal?

Yes, you can. Like commercial loans, you can choose repayment methods.

1, repayment method of equal principal and interest. That is, the monthly repayment amount is relatively fixed, the repayment pressure is relatively average, and the repayment pressure in the early stage is not great, which is suitable for families with low income in the early stage.

2. Free repayment of housing provident fund loans. This repayment method is rare. That is, the borrower determines the minimum repayment amount after consultation with the housing provident fund management center, and the monthly repayment can be no less than the minimum repayment amount. This repayment method is flexible and can be adjusted at any time, which is conducive to repayment before the repayment period, and it is best to minimize overdue repayment.

3. Average capital repayment method. That is to say, the repayment of the principal is the same every month, but the interest paid in the early stage is more, which is why the repayment pressure in the early stage is greater, but with the increase of the repayment period, the repayment pressure in the middle and late stages is less, and the principal is basically paid off. This repayment method of housing provident fund loans is aimed at people with higher incomes.

Three, provident fund loans are average capital or equal principal and interest.

Provident fund loans can have an average principal or equal principal and interest, depending on the individual's actual situation. There are two main repayment methods for housing provident fund loans, one is average capital, and the other is equal principal and interest. 1, average capital: during the repayment period, the total amount of loans is divided equally, and the same amount of principal and interest generated by the remaining loans in the current month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is getting less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is getting less and less. 2. Matching principal and interest: refers to the repayment of the same amount of loans (including principal and interest) every month during the repayment period. This is a concept different from average capital. Although the monthly repayment amount may be lower than the average capital repayment method at the beginning, the interest paid in the end will be higher than the average capital repayment method commonly used by banks. The content of this article comes from: China Law Publishing House "General Knowledge Series of Legal Life"

4. Is the provident fund loan average capital or equal repayment of principal and interest?

The repayment method of provident fund loan is free, in which the repayment of equal principal is and. Many people struggle to choose which way is more cost-effective. Let's discuss these two repayment methods together.

The first is the equal principal and interest repayment method and the average capital.

Average capital method

Matching principal and interest repayment method is to add up the total principal and interest of mortgage loan, and then share it evenly to the repayment period. The amount is fixed, but the proportion of principal in monthly repayment is increasing month by month, and the proportion of interest is decreasing month by month. This method is the most common way of introduction for a long time.

Average capital repayment method

Matching principal repayment refers to the interest paid by the lender between one trading day and the repayment date. Compared with the matching principal and interest, the total interest expenditure of this repayment method is more than the principal and interest, and the repayment burden is reduced month by month. Average capital repayment method is a very simple and practical repayment method. The principle of the basic algorithm is the interest generated by the principal that is not repaid on schedule during the repayment period.

Fundamentally speaking, the average capital and the equal principal and interest are the same for us, and banks will not suffer. You also said that the specific one can be said casually, which is more appropriate.