1. Determine the time point and amount of the provident fund loan, as well as the repayment status of previous commercial loans.

2. Match commercial loans and provident fund loans in terms of time and amount, and obtain the actual monthly repayment amount after converting to provident fund.

3. Calculate the number of repayment periods: Compare the actual repayment amount after transferring to provident fund with the repayment amount in each period. If the actual repayment amount is greater than or equal to the repayment amount, it is considered to have been repaid. A successful payment.

4. Calculate the principal repaid and the interest repaid: For each period of successful repayment, the actual repayment principal and interest are obtained based on the difference between the actual repayment amount and the repayment amount. Interest, and then add the principal and interest of all repaid periods to get the principal repaid and the amount paid.