First of all, there is a penalty for repaying the loan in advance. Liquidated damages depend on how the contract you signed is stipulated. Generally speaking, there is no penalty interest after one year of repayment (you are full), and the interest base is actually your current loan balance. For example, if you still have a loan balance of 230,000 yuan on February 4th, 65438, the bank will calculate the interest according to this amount, and the days from the last repayment date may be165438+1October 20th (different for each bank) to 65438+February 4th (31-20+4 = How much principal has been repaid is not calculated according to how much money you have been repaying, but according to the principal part of monthly repayment. You can read the statement.

Then let's look at investment,

Financial investment can be divided into the following categories: stocks, funds, bonds, foreign exchange, futures and gold. For example, gold is divided into paper gold, futures gold and international spot gold.

Considering the benefits and risks, I suggest you consider "paper gold (which can be operated by all major banks)", "fund (national debt)" and "bond" as follows.

Supplement:

1, it is not recommended to leave early. If you want to return it, it will be about the same before and after the year before last.

2. As mentioned above.

Www.hi.baidu.com/ykanswy (my personal gold blog)

I hope it helps you.