The Regulations on Loan Contracts stipulates the problem of prepayment, and it is clear that if prepayment is made, the interest will be reduced according to the regulations of the bank, but it is not clear whether prepayment requires the consent of the lender. The General Principles of Loans stipulates that if the loan is repaid in advance, it shall be negotiated with the lender. But it is not clear how to calculate the interest. According to the provisions of this article, the rights and obligations of both parties shall be determined according to the following principles: First, if the parties have an agreement on prepayment in the contract, it shall be determined whether it is approved by the lender and how to calculate the interest according to the agreement. Secondly, if the parties have not agreed on prepayment in the contract, and prepayment does not harm the interests of the lender, the interest may be calculated according to the actual loan period without the consent of the lender; If the prepayment damages the interests of the lender, the lender has the right to refuse the borrower's prepayment request. If the lender agrees to prepay, it means that the lender agrees to change the performance period of the contract, so. The borrower shall pay interest to the lender according to the changed time limit.