It depends. The loan basically pays interest first and then principal. Your loan is so large that most of the interest has been paid in two and a half years. It is not worthwhile to pay it off in advance. But because you have a housing provident fund, you can't use it except to repay the loan, so it's still cost-effective.

You can use the husband and wife's provident fund to repay the loan.

Go to the local housing provident fund management department to provide a loan contract, ID card or household registration book. At that time, the purchase procedures and bank cards can basically be handled. In some places, it is necessary to pay off the loan in one lump sum.