My provident fund loan is 270,000 yuan with a term of 20 years. Now I want to pay off in advance, and the principal is still 2 1 10,000. It has been four years since the repayment. What if I pay off the interest now? Hello, if you need to handle our loan business, please calculate the monthly repayment amount and fixed number of years according to the repayment method you chose at that time. The following is the calculation formula of repayment method for your reference, but the specific calculation and repayment situation of loan repayment shall be subject to the data given by the handling bank.

1. The formula for calculating the monthly repayment amount of equal repayment is as follows:

Among them, monthly interest payment = residual principal × monthly loan interest rate;

Monthly repayment of principal = monthly repayment of principal and interest-monthly payment of interest.

2. The formula for calculating the monthly repayment amount of the average capital repayment method is as follows:

Among them, monthly repayment of principal = loan amount/repayment months;

Monthly interest payment = (principal-accumulated principal repayment) × monthly interest rate.

3. The repayment method of principal at maturity refers to the repayment method that the borrower repays the loan principal in one lump sum on the loan maturity date. The method of repayment of principal at maturity is applicable to loans with a term of 1 year (inclusive).

1. There are two repayment methods: monthly interest repayment method and interest repayment method.

2. Repaying the principal and interest on a monthly basis means repaying the loan principal in one lump sum on the maturity date of the loan, with daily interest and monthly interest settlement.

3. The method of repayment of principal and interest at maturity refers to one-time repayment of loan principal and interest on the maturity date of the loan. The repayment of principal and interest at maturity is only applicable to personal pledged loans and personal foreclosed loans in the comprehensive business processing system.

The following is the link of our personal credit calculator. Please enter your data and try to make a trial calculation. /CmbWebPubInfo/Cal _ Loan _ per . aspx？ chnl=dkjsq

If you have any other questions, please visit the Online Customer Service of China Merchants Bank (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!