It is recommended to pay it back slowly on schedule. First of all, you should have some cash flow on hand for turnover. Secondly, inflation. What you can buy at 100 yuan now may cost 500 yuan in ten years, but your debt will not rise.

First of all, mortgage is the most loan we borrow from banks as ordinary people. It is ok to repay in advance, which can reduce the loan amount, but the fixed number of years is the same, which will be better.