The answer is as follows:

1. Provident fund loan of 150,000, with a term of 20 years. The current annual interest rate of the loan is 4.90, and there are two repayment methods:

1. Equal principal and interest method: the monthly repayment amount is 981.67 yuan (the same every month), and the total interest is 85599.86 yuan.

2. Equal principal payment method: The monthly repayment amount is different. The first month's repayment amount is 1237.50 yuan (it will decrease month by month thereafter, with a monthly reduction of 2.55 yuan). The last month's repayment amount is 627.55 yuan, and the total interest is 73806.25 yuan.

Comparing the above two methods, the equal principal method pays 11,793.61 yuan less than the equal principal and interest method.

The specific repayment method can be selected when handling the loan procedures at the bank.

The above calculation is based on the assumption that the interest rate remains unchanged during the entire repayment period.

2. Regarding the balance in the provident fund account (card).

The balance in the provident fund account, no matter how much, cannot be withdrawn during the loan processing period. After the loan is issued and the repayment is normal, the balance in the provident fund account can be withdrawn to repay the principal and interest of the loan.

There are generally two methods of withdrawal:

1. Withdraw all the balance in the provident fund account to offset the loan principal (a certain balance must be left in the account, and regulations vary from place to place) , after the principal is repaid, the principal of the loan is reduced and the total interest is also reduced. The monthly payment or years will be recalculated: if you choose the same number of years, the monthly payment will be reduced after recalculation; if you choose the same monthly payment, the repayment period will be reduced. Then you can choose.

2. After withdrawing the provident fund, it will be "associated" with your loan repayment card. For example, if your monthly payment is 1,500 yuan, and after you withdraw 15,000 yuan, it will be associated with your loan repayment card. You will not need to withdraw it for the next 10 months. Put money into the card and use the provident fund money to repay the loan.

Withdrawal procedures: Bring the loan contract, loan repayment card (or provident fund card), personal ID card, and "provident fund withdrawal certificate" issued by the unit. If your spouse's provident fund also needs to be withdrawn, you must also bring your marriage certificate , ID card, and "provident fund withdrawal certificate" issued by the spouse's employer, go to the lending bank or the local provident fund management center to complete the procedures.