If you use the equal principal and interest repayment method and have entered the middle stage of repayment, more of the repayment will be the principal, and the interest that can be saved is limited, and early repayment is of little significance.

If you use the equal principal repayment method, you need to look at two situations: If you are in the early stage of repayment (within 3 years), it is more cost-effective to repay the loan early, because the monthly payment includes interest. More than the principal; if 1/4 of the repayment period has passed, then the principal and interest composition of the monthly payment will begin to exceed the interest, and early repayment is not suitable.