If you consider it month by month and year by year, it will definitely be more cost-effective month by month. Because the total amount of your husband and wife's provident fund is 650 yuan, you only need to pay back 1 150 yuan every month after using the provident fund. Is equal to the provident fund to help you pay back the monthly expenses of 650 yuan. The annual fee is only charged once a year, and after the monthly payment of the current month is completed, the rest should be charged as the principal; And you still have 1 1 month, so you must continue to pay the monthly payment according to 1800 yuan. Of course, after the annual charge, your monthly payment will be recalculated, because your annual provident fund is 7800 yuan, and your monthly charge is 1800 yuan; 6,000 yuan has been collected as the principal, so the monthly payment should be recalculated, and the monthly payment should be reduced by about 50 yuan.

If you want to repay the loan in advance, you can notify the bank and only repay the principal. After the principal is repaid, your monthly payment will be recalculated. If you have the repayment ability, reducing the repayment period will definitely be beneficial to you. In this way, the monthly repayment amount is higher, but there are fewer repayment periods and less interest paid to the bank.

Individuals can choose to use the provident fund to repay the loan at a monthly fee. Don't shorten the repayment period, repay part in advance and recalculate the repayment amount. If your monthly repayment amount is equal to or less than that of 650 yuan, you will continue to repay the loan from the provident fund according to this standard. You don't need to pay for the repayment yourself, but use the provident fund to pay it back. Repayment by the average capital method is easier to calculate.

Of course, you should pay attention to the change of interest to prevent the situation that the provident fund is not enough, or save some money in your account to avoid forgetting that the change of interest will cause default.