1. Choose an appropriate time node: early settlement or early partial repayment. The earlier the repayment, the better, which can save more interest. In the middle of repaying the loan, most of the interest has been paid off, and there is no need to repay in advance. If the prepayment is too early, a certain penalty will be charged. When dealing with advance payment, the factors of liquidated damages should be considered.

2. Choose an appropriate repayment plan: users should choose a reasonable repayment method according to their own economic conditions without affecting their quality of life. If the strength permits, it can be settled in advance to save interest costs. For partial repayment in advance, we should seriously consider the subsequent repayment plan. There are two schemes: shortening the service life and shortening the monthly supply. Shortening the fixed number of years can save more interest, but it can't reduce the pressure of monthly payment. The advantage of shortening the monthly payment is to reduce the economic burden, but the interest saved is relatively less than that of shortening the service life.

3. Combined with its own capital planning: The borrower should decide whether to repay the loan in advance according to its own capital planning. Borrowers have other financial planning or investment plans, so they can consider investing their funds in these areas to obtain higher returns. The borrower has no other financial planning and investment plan, and can choose to repay in advance to save interest expenses.