According to the regulations of Guangzhou Housing Provident Fund Management Center, borrowers can repay individual housing provident fund loans in advance. Early repayment can take the form of one-time repayment of all loan principal and interest or early repayment of part of loan principal. The processing flow and required information are as follows: Processing flow: 1. One-time repayment of principal and interest: the borrower fills in the application form and provides the necessary materials → the entrusted bank approves → the center approves → the loan principal and interest is repaid → the application form for early repayment is sent to the provident fund center for filing. 2. Early repayment: the borrower fills in the application form and provides the necessary materials → determines the amount and date of early repayment → is approved by the entrusted bank → is approved by the center → repays part of the loan principal → sends the application form for early repayment to the provident fund center for filing. Materials to be submitted: 1. The Borrower fills in the Application for Advance Repayment of Housing Provident Fund Loan of Guangzhou Housing Provident Fund Management Center or the Application for Advance Repayment of Partial Loan of Housing Provident Fund Loan of Guangzhou Housing Provident Fund Management Center and signs it; (original) 2. A valid identity document of the borrower; (original) 3. Advance conditions: a) the loan has been successfully released and the repayment time is more than one year; B) The applicant is not overdue in the current state; C) The applicant's previous advance payment has not been approved, so a new application cannot be made; D) If the applicant fails to repay in advance due to insufficient balance in the repayment account, a new application is required.

Legal objectivity:

Article 530th of the Civil Code stipulates that the creditor may refuse the debtor to perform the debt in advance, except that the performance in advance does not harm the interests of the creditor. The expenses incurred by the creditor due to the debtor's early performance of the debt shall be borne by the debtor. Article 677 Where the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period. Measures for the administration of commercial student loans Article 23 The borrower and the borrower shall clearly stipulate the repayment method and repayment plan in the loan contract. The lender may grant the borrower a certain grace period according to the situation, during which the principal will not be repaid, or capitalize the interest generated during the school period according to the borrower's difficulty. The borrower began to repay the loan the next month after leaving school. The loan can be repaid monthly, quarterly or annually, and the interest can be paid off together with the principal, or it can be paid off in one lump sum when the loan expires.