For the first repayment, you should apply for withdrawing the housing provident fund to repay the principal and interest of the house purchase loan after 12 months, and then apply once a year in the month corresponding to the first repayment or after, and withdraw the principal and interest of the loan repaid within 12 months.

Commercial loan: after obtaining the title certificate, you can pay the down payment first, and then withdraw the monthly payment after one year of repayment (interval 12 months).

Provident fund loan: only monthly payment can be withdrawn.