I have two loans, the first one is 6.5438+0.5 million, the loan term is ten years, and the interest rate is 7.1%; The second payment is1.2000, with a loan of 30 years and an interest rate of 30%. I want to pay in advance. Where can I pay it first? If you want to have more money in your hand every month, you can pay it back in ten years, and the amount paid back every month is high; If you want to repay the loan in a short time, and the monthly turnover is not too much, then you can pay it back for 30 years. The loan interest rate for ten years and thirty years is the same. Although your discount is different, there is not much difference.