diff --git a/fs/f2fs/data.c b/fs/f2fs/data.c
index d091675ef116..076ec4324a58 100644
--- a/fs/f2fs/data.c
+++ b/fs/f2fs/data.c
@@ -834,9 +834,10 @@ static void del_bio_entry(struct bio_entry *be)
 	kmem_cache_free(bio_entry_slab, be);
 }
 
-static int add_ipu_page(struct f2fs_sb_info *sbi, struct bio **bio,
+static int add_ipu_page(struct f2fs_io_info *fio, struct bio **bio,
 							struct page *page)
 {
+	struct f2fs_sb_info *sbi = fio->sbi;
 	enum temp_type temp;
 	bool found = false;
 	int ret = -EAGAIN;
@@ -853,13 +854,18 @@ static int add_ipu_page(struct f2fs_sb_info *sbi, struct bio **bio,
 
 			found = true;
 
-			if (bio_add_page(*bio, page, PAGE_SIZE, 0) ==
-							PAGE_SIZE) {
+			if (page_is_mergeable(sbi, *bio, *fio->last_block,
+					fio->new_blkaddr) &&
+			    f2fs_crypt_mergeable_bio(*bio,
+					fio->page->mapping->host,
+					fio->page->index, fio) &&
+			    bio_add_page(*bio, page, PAGE_SIZE, 0) ==
+					PAGE_SIZE) {
 				ret = 0;
 				break;
 			}
 
-			/* bio is full */
+			/* page can't be merged into bio; submit the bio */
 			del_bio_entry(be);
 			__submit_bio(sbi, *bio, DATA);
 			break;
@@ -944,11 +950,6 @@ int f2fs_merge_page_bio(struct f2fs_io_info *fio)
 	trace_f2fs_submit_page_bio(page, fio);
 	f2fs_trace_ios(fio, 0);
 
-	if (bio && (!page_is_mergeable(fio->sbi, bio, *fio->last_block,
-						fio->new_blkaddr) ||
-		    !f2fs_crypt_mergeable_bio(bio, fio->page->mapping->host,
-					      fio->page->index, fio)))
-		f2fs_submit_merged_ipu_write(fio->sbi, &bio, NULL);
 alloc_new:
 	if (!bio) {
 		bio = __bio_alloc(fio, BIO_MAX_PAGES);
@@ -960,7 +961,7 @@ int f2fs_merge_page_bio(struct f2fs_io_info *fio)
 
 		add_bio_entry(fio->sbi, bio, page, fio->temp);
 	} else {
-		if (add_ipu_page(fio->sbi, &bio, page))
+		if (add_ipu_page(fio, &bio, page))
 			goto alloc_new;
 	}