Legal subjectivity:

There are three types of early repayment: early partial repayment with the loan term unchanged, early partial repayment with shortened loan term, and early full repayment. 1. If the entire loan is repaid in advance, the future mortgage interest will no longer be calculated, only the mortgage interest before the early repayment date will be calculated. 2. If the loan period is partially repaid in advance and the loan period remains unchanged, the principal to be repaid will be less, so the monthly interest will be recalculated and the interest will be reduced. 3. If the loan period is shortened by partial repayment in advance, the loan period will be shortened and the interest to be repaid will also be relatively reduced. Legal objectivity:

Article 677 of the Civil Code: If the borrower returns the loan in advance, interest shall be calculated based on the actual loan period, unless otherwise agreed by the parties.