If the user simply repays the arrears in advance, then go directly to the repayment page and confirm that the repayment amount is prepayment. If users want to pay off in one lump sum, they need to apply to the bank for prepayment. After the bank calculates the prepayment amount, the unpaid installment amount and handling fee are included in the next bill. At this time, the user pays off in one lump sum, which belongs to early repayment.