Legal subjectivity:

Early repayment with equal interest is an option. Early repayment of an equal-amount principal and interest loan: If the loan period exceeds one-third of the loan period, no interest will be saved on the repayment; if one-third of the loan period is not reached, one month's interest payment will be liquidated damages, and the remaining outstanding interest will not be paid. When early repayment has been selected, subsequent interest calculations will be based on the balance and remaining period after early repayment and the equal amount will be recalculated. The original repayment interest rate, method, and period remain unchanged, and only the size of the equal amount changes. The characteristic of equal repayment is that the monthly payments are equal but the composition is unequal, that is, the monthly principal and interest amounts are not equal. The monthly interest payment is equal to the equal amount minus the principal. We know that if you have repaid 1/3 of the term, the repayment will not save interest. If it is less than 1/3 of the term, you need to pay liquidated damages to the lender. When we repay part of the loan, the interest is recalculated based on the balance after repayment and the remaining repayment period. The law is objective:

Article 35 of the "Personal Housing Loan Management Measures" If the borrower has any of the following circumstances, the lender shall pursue the borrower for breach of contract in accordance with the relevant provisions of the "General Rules of Loans" of the People's Bank of China Responsibilities: 1. The borrower fails to repay the principal and interest of the loan on time; 2. The borrower provides false documents or information, which has or may cause loan losses; 3. The borrower will set up a mortgage or pledge on the property without the consent of the lender. or the rights and interests are demolished, sold, transferred, donated or repeatedly mortgaged; 4. The borrower changes the purpose of the loan without authorization and misappropriates the loan; 5. The borrower refuses or obstructs the lender from supervising and inspecting the use of the loan; 6. The borrower and Other legal persons or economic organizations sign contracts or agreements that are detrimental to the rights and interests of the lender; 7. The guarantor violates the guarantee contract or loses the ability to assume joint and several liability, the collateral is damaged due to accident and is insufficient to repay the principal and interest of the loan, and the significant reduction of the pledge affects the lender's realization of the pledge. rights, but the borrower fails to implement new guarantees or new mortgages (pledges) as required.