In the loan scenario, the prepaid amount usually refers to the amount of cash prepaid services provided by financial institutions to borrowers, which is used to pay some extra expenses instead of borrowers, such as mortgage evaluation fees in housing mortgage loans. However, it should be noted that the amount advanced does not represent the money that has been lent, but should be regarded as temporary financial support provided by financial institutions to borrowers. As a financial service, the amount paid in advance is usually included in the borrower's total loan, and it will be returned when the loan is repaid, and at the same time it will generate corresponding interest and expenses. Therefore, borrowers need to know the specific purpose and cost of the advance amount in order to make wise financial decisions.