Now the prepayment is 654.38+ten thousand yuan. If the repayment period is maintained and the monthly payment is reduced, the interest can be reduced by 43,000 yuan.

If the bank allows the service life to be shortened, it can repay in the remaining 16 and 192 installments, and the interest can be reduced by 65,438+million.

However, your loan interest is extremely low, and it is a very cost-effective loan. And there will never be such a low interest rate loan again. If I were you, I might choose not to repay in advance, but to buy funds or stocks for investment. It is very easy for the annualized interest rate to exceed 5%. If you are worried about your poor stock selection ability, you can choose a broad-based index fund, such as buying a bank etf or a CSI 300etf fund.