It doesn't matter, it's an early repayment, but it can't be taken out, otherwise there will be a handling fee (personally, it's not very reasonable). If you have a lot of money, but you are afraid that you will sometimes forget to repay it and don't care about losing some interest, then save more.

Of course, you can also set up an automatic repayment account, where you can deposit some money with interest and don't worry about forgetting to repay it-this should be a better choice.