Whether you repay in advance or due, the bank will calculate the interest for ten years, so it is not cost-effective for you to repay in advance. You still have to pay so much interest at maturity. When you take out a loan, you should pay it back in full after ten years, not mortgage. If you pay back 10 thousand years a year, the interest is not that high.

However, if you repay in full within 10 year, it will also be beneficial, because the bank will not calculate floating interest, that is, how to calculate your interest in 2006. When you repay in 20 16 year, the bank will calculate your100000 intermediate interest according to your current interest in 2006.

In addition, in 2006, the loan interest rate changed twice. The first time was after April 28th, 2006. The interest rate at that time was 6.39%, that is, your 100000 yuan was100000 * 6.39% *10 = 63900 yuan.

If you are before April 28th, 2006, it is100000 * 6.12% *10 = 61200 yuan.

If you are after August 19, 2006, it is100000 * 6.84% *10 = 68400 yuan.

So you'd better pay it back when it is due.