Generally, 30 years in advance is ok, because you still have time to rest. I think 1 is more cost-effective, because the interest is not very high.
What is the best way to prepay the 25,000 loan?
First of all, you need to know whether you are a commercial loan or a provident fund loan. If it is a provident fund loan, I suggest not to prepay, because the interest of 3.25% is really a welfare issued by the state, which is very low and does not need to prepay.
If it is a commercial loan, it is definitely best to repay it in advance, but it also needs the same principal and interest or the average principal, subject to the loan for 30 years. If it is equal principal and interest, it will be paid back ten years later, and the later the more cost-effective; If it is a general fund, it is recommended to repay the loan ten years ago. The earlier the loan, the more cost-effective, depending on your financial ability.
Third, how to make a loan of 500,000 yuan more appropriate?
The sum of principal and interest must be the same, and early repayment is likely to pay liquidated damages. Don't do this unless you think that the income of your money will be greater than the interest rate of the loan in these five years.
Four. The loan is 800,000 yuan, and the prepayment is 500,000 yuan.
If you apply for personal loan at China Merchants Bank and the contract stipulates that you can apply for "early repayment", you can apply at the handling bank or the local post-loan service center. Different branches have different regulations on "prepayment" (such as time and amount). You can check your loan contract or sign it directly.