According to your situation, it is not recommended to pay off the mortgage in advance. You can take out a fixed investment fund of 6.5438+0.5 million, and the rest of the money is used for financial management. You should set aside at least 6.5438 million yuan of running water, because you definitely need money at ordinary times. If you pay off the mortgage at one time, you have to find other ways to use the money urgently in the future. Anything will do if the funds are quite sufficient. The problem is that your current funds are really not allowed.