If you repay the housing provident fund loan in advance, you can repay part of the principal in advance in several times, and the remaining loan principal will be reduced accordingly after each prepayment. The expenses incurred by the creditor due to the debtor's early performance of the debt shall be borne by the debtor. Article 530 Creditors may refuse the debtor's early performance of the debt, unless the early performance does not harm the creditors' interests. The expenses incurred by the creditor due to the debtor's early performance of the debt shall be borne by the debtor.

Legal objectivity:

Article 530th of the Civil Code, the creditor may refuse the debtor to perform the debt in advance, except that the advance performance 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 prepays the loan, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan term. 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 give the borrower a certain grace period according to the situation, during which the principal will not be repaid, or the interest generated during the school period will be capitalized 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.