Does the subject want to ask "470,000 provident fund loans, 4 years in 20 years, 654.38 million in advance repayment, but no monthly payment"? Repayment. Inquire about the French Open, and the provident fund loan is 470,000 yuan for 20 years. Under the premise of not changing the loan term, if the loan is repaid for four years, 654.38 million yuan will be repaid in advance, and the monthly repayment amount will be reduced. Early repayment can save some interest expenses, but it will also reduce liquidity.