The balance in the provident fund is the basis for the loan amount. The balance can be used to pay monthly repayments or large repayments. According to your understanding, for example: you have a loan of 300,000 and a balance of 100,000. Two There are two options: first, make a one-time repayment of 100,000, and the remaining loan amount is 200,000; second, use it for monthly repayments, and deduct the monthly payment amount from the balance of 100,000 every month. Do you understand?