There is only one repayment method for provident fund loans. The matching principal and interest in the average capital and the repayment method are only applicable to commercial loans. The repayment in the first month is more than that in 390 yuan (about 20%), which may be because it is actually the repayment in the second month. However, the first month is only a few days away from the repayment date, and the amount is very small, so it is merged into the second month for repayment. But the repayment regulations are not exactly the same everywhere, so you'd better consult the bank. The loan term is 20 years to 2033, which means that the principal and interest will be paid off 33 years ago. It's not much money every month. In addition, it is necessary to pay special attention to: provident fund loans do not have to be repaid in advance! Because the interest of provident fund loans is lower than that of time deposits, putting money in the bank earns more interest than provident fund loans.