You can increase the monthly repayment by shortening the loan term.
Portfolio loan is a combination of commercial loan and provident fund loan. After the approval of portfolio loans, provident fund loans and commercial loans are two independent parts.
In order to shorten the loan life, you can use the method of partial prepayment:
1. After one year of repayment, partial repayment can be made in advance;
2. The amount returned in advance shall not be less than the repayment amount of 6 months agreed in the original loan contract;
3. After repayment, you can apply to Suzhou Housing Real Estate Guarantee Company to shorten the loan period, but it can be shortened to several years, which needs to be re-examined by the guarantee company according to your payment of provident fund at that time.
I hope my answer can help you.