1, housing provident fund loan, one-time repayment of principal and interest within one year, with the interest paid off with the principal; Loans for more than one year should be repaid monthly. Due to the low interest rate of provident fund loans (at present, the annual interest rate of loans over five years is 3.25%), it is suggested that the loan period should be as long as possible, so that the monthly repayment amount is relatively small, but the policy stipulates that the longest loan period should not exceed 30 years.

2. Borrowing money from others depends on the relationship with the lender. It can be returned in installments according to family income. It is best to negotiate and pay a certain interest to make both sides psychologically balanced.

In addition, during the repayment period, you can withdraw money from your provident fund account once a year to repay the provident fund loan. If the local government implements the method of "repaying the loan", you can use the money in the provident fund account to repay part of the loan every month, so that you can keep a little more personal salary.