Of course not. The price of foreign exchange you buy when you repay, that is, the bank quotation, also fluctuates with the market. Bank quotation is based on market price. So there are two situations when you purchase foreign exchange for repayment. Suppose the exchange rate changes obviously over a period of time: when you repay, the quotation price is higher than when you spend (then you lose because you have to pay back more RMB) and lower than when you spend (then you earn because you still have less RMB). In addition, it depends on your quantity. If it is a few hundred dollars, I estimate that the handling fee will account for a large part.