In the decoration loan, the borrower's loan amount is determined according to the total decoration budget. Generally speaking, the interest of decoration loans is calculated according to the amount used, not the total amount borrowed, so if you borrow 500,000 yuan, but only use 80,000 yuan, then you only need to pay back 80,000 yuan. If you choose the repayment method of equal principal and interest, the monthly repayment amount is fixed, including principal and interest, and will not be reduced because you only use part of the funds. If you repay in advance or only use part of the funds, you can sometimes try to apply for modifying the repayment plan or reducing the loan scale through banks, consumer finance institutions or other channels.