In this way, your family can remit money to you in China.
as for how to repay the loan, you should pay attention to the statement with your family, or go to the website to check the details yourself, so as to ensure that it will be repaid within the final interest-free period. However, there are many banks that are linked by debit cards and credit cards. As long as the balance on your debit card is sufficient, there will be no overdue.
As for deposits, RMB and foreign currency can be deposited.