Legal analysis: 1. One-time repayment method, withdraw the provident fund balance from the housing provident fund account and repay the loan in one go.

2. Stop loan repayment for a few months, withdraw the balance from the provident fund account, and repay the loan in advance.

After repaying the loan early, the lender can stop repaying the loan for a number of months.

3. Monthly repayment method, provident fund is withdrawn directly from the provident fund account every month to repay the loan.

When the amount of housing provident fund withdrawn is insufficient, the lender must make up the repayment amount in a timely manner.

1. Characteristics of equal principal and interest: The monthly repayment amount is the same. Essentially, the proportion of principal increases month by month and the proportion of interest decreases month by month.

For the same loan term and loan amount, the total interest for equal amounts of principal and interest is much higher than the total interest for equal amounts of principal.

People who are suitable for equal amounts of principal and interest: The monthly repayment amount of equal amounts of principal and interest is the same, so it is more suitable for families with normal spending plans, especially young people. As age increases or positions are promoted, income will increase and living standards will naturally rise.

; If such people choose the principal method, the early pressure will be very high.

2. Characteristics of equal principal: the monthly repayment amount is different and decreases month by month; it divides the loan principal evenly according to the total number of months of repayment, plus the interest on the remaining principal from the previous period, so that

The monthly repayment amount is formed, so the monthly repayment amount of the equal principal method is larger, and then decreases month by month, and the more the repayment is, the less it is.

People who are suitable for the equal principal amount: The equal principal method has a larger repayment amount in the early stage and then decreases month by month, so it is more suitable for borrowers who have strong repayment ability in the early period. Of course, some older people are also more suitable.

This is appropriate because income may decrease as you age or retire.

Legal basis: "Regulations on Housing Provident Funds" Article 2 These Regulations apply to the deposit, withdrawal, use, management and supervision of housing provident funds within the territory of the People's Republic of China and the People's Republic of China.

The term “housing provident fund” as mentioned in these regulations refers to state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, public institutions, private non-enterprise units, social groups (hereinafter collectively referred to as units) and their employees

Contributions to long-term housing savings.