Legal analysis: Yes, if it is a provident fund loan, then the interest rate is still relatively low. Provident fund loans can also be repaid in advance. But whether it is cost-effective to repay in advance depends on personal circumstances. Some property buyers don't like to have loans, and they want to pay them all back if they have funds. This is also possible. Whether it is prepayment or not, we should do what we can.

Legal basis: Article 38 of the Regulations on the Management of Housing Provident Fund: In violation of the provisions of these regulations, if the unit fails to pay or underpays the housing provident fund within the time limit, the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.