The average capital of the loan is 500,000 yuan, which will be paid off in ten years with interest of 4.25. I will calculate the liquidated damages according to 3% of the unpaid amount (most banks have liquidated damages for your early repayment).

Paying back ten years in advance means that you only spent five years.

The interest you paid back is: 1328 1 1 yuan.

The unpaid principal is: 367 188.85, and the penalty is:110/5.67? Yuan dynasty (1206- 1368)

? The five-year service fee is the sum of the two: 143826.7.

Prepayment 10 A fixed term of 30 years means that you have spent 20 years.

? The interest you paid is: 2583+08.

? The unpaid principal is: 240 1 17.05438+0, and the penalty is: 7203.438+0?

? The cost of using it for 20 years is the sum of the two: 267086.7? ?

? The interest difference between the two schemes is 123260 yuan, and the loan 15 is more appropriate.

But I guess you mean years 15 and years 30, using the interest difference of ten years respectively. If there is, the interest difference is 188395 yuan, and the cost of prepayment for 30 years is lower.

In addition, the general interest rate of 15 loan is different from that of 30-year loan, and the interest rate of 30-year loan will be relatively lower.