1. What is the prepayment process of provident fund loans? 1. Before prepayment, you should inquire about the remaining loan amount, dial the hotline of provident fund management center, and input part of the prepayment amount according to the voice prompt. Then the user brings his ID card to the local provident fund management center to apply for an appointment for prepayment amount. 2. Users choose to fill in the application form according to the repayment amount. For all repayments, fill in the Application Form for Early Repayment of Housing Provident Fund Loans of Housing Provident Fund Management Center, and for some repayments, fill in the Application Form for Early Repayment of Some Loans of Housing Provident Fund Loans of Housing Provident Fund Management Center, and then the staff will sign and seal it and provide corresponding materials. 3. Next, the applicant's application will be transferred to the corresponding entrusting bank for approval. 4. After the approval of the bank, it is followed by the approval of the housing provident fund management center. 5. After receiving the notice of successful approval, the applicant can go to the bank to repay the repayment amount and interest of the application. 6. After successful prepayment, users need to submit the prepayment form to the local housing provident fund management center for filing. Second, is it cost-effective to repay the loan in advance? First, repaying the loan in advance actually depends on the specific situation. If you already enjoyed the special discount of the loan when signing the contract at that time, as long as the discount range is around 2%, then it is generally not cost-effective for you to repay the loan in advance. Second, if the mortgage is repaid in advance, we need to know the interest rate of the bank. For example, if we repay the mortgage in advance when the interest rate of the mortgage begins to decline, it will be very uneconomical, so you will suffer a lot, because the falling interest rate has offset a lot of your previous pressure. Third, when we calculate the repayment, we should consider the actual situation. If your house has appreciated significantly and the interest is basically stable for a period of time, then you can consider making repayment in advance, so that you can make a profit unilaterally, which is also a more cost-effective thing. Fourth, if the house price in your city drops to a certain extent and the interest rate is basically flat, then there is no need to rush to repay in advance immediately. We can observe for a period of time to see if the interest rate is likely to continue to increase. If not, then there is no need to repay in advance. Fifth, the country's economic policy has been stable for a period of time, and the price of the real estate market has risen slightly. In this case, early repayment can be considered, because the economic policy is stable and the house price is not large. As long as your economy allows, it will be more affordable for you to repay the loan in advance. Sixth, we just bought a building, and you started to repay the loan yourself. Generally speaking, when your principal base is relatively large at the beginning and the interest is relatively high, it is more cost-effective to repay the loan in advance, provided, of course, that you have no other investment projects. Seventh, in the city where you are, the price of the house is rising rapidly, and the price has reached a relatively high position. At this time, you can repay the house in advance, because after the house is repaid, you can make a mortgage, and then you can take out more funds and make other investments. In this case, it is still more cost-effective. Legal objectivity:

Article 53 of the Civil Code, the creditor may refuse the debtor to perform the debt in advance, except that the performance in advance 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 repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period. 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 grant the borrower a certain grace period according to the circumstances, during which the principal will not be repaid, or the interest incurred during the school period may be capitalized according to the difficulty of the borrower. The repayment of the loan begins the next month after the borrower leaves school. The loan can be repaid monthly, quarterly or annually, with the interest paid off with the principal, or it can be paid off in one lump sum when the loan expires.