Under normal circumstances, the total amount of provident fund loans is limited, and some commercial loans are needed to cover the total amount of housing, which is commonly called portfolio loans. The monthly payment of portfolio loans is calculated separately, and the repayment amount of commercial loans and provident fund loans is calculated separately, which together is the monthly loan amount that the lender should repay.

If the lender wants to repay the loan in advance, he is generally free to choose whether to repay the commercial loan or the provident fund loan first. Because the interest rate of commercial loans is higher, it is more cost-effective to repay commercial loans first. However, some cities have clear provisions on prepayment of portfolio loans. For example, it is stipulated that the prepayment amount of provident fund loans and commercial loans should be kept at a certain proportion, and not only commercial loans can be repaid. Therefore, it depends on the restrictions or loan contracts of prepayment in various places. If there are no restrictions, commercial loans can be repaid in advance.

The above is the answer to your question, I hope it will help you.