1. Relieve the pressure on residents to repay loans: Since mortgage is one of the important expenses in many people's lives, the central bank's early repayment of loans will help alleviate the pressure on residents to repay loans. This is good news for those property buyers, especially in the current economic situation, many people may face financial difficulties.

2. Stimulate consumption and economic growth: Early repayment of mortgage loans will enable more residents to release more disposable income, which is expected to stimulate the growth of consumer demand. The increase in consumption will bring more business opportunities and development space to various industries, thus promoting economic growth.

3. Promote the activity of the real estate market: By supporting new loans to replace existing loans, the central bank is expected to promote the activity of the real estate market. This will help to increase the transaction volume of the real estate market and inject new vitality into the real estate industry. At the same time, it also helps to prevent large-scale price drop in the real estate market and maintain market stability.

4. Promote the profit growth of financial institutions: New loans will provide financial institutions with more loan business opportunities, which is expected to increase their loan income. This is a positive factor for financial institutions, which can help them improve their profitability and market competitiveness.

Generally speaking, the measures taken by the central bank to repay the mortgage in advance and support new loans to replace existing loans will play a positive role in reducing the pressure on residents to repay loans, stimulating consumption and economic growth, promoting the active real estate market and promoting the profit growth of financial institutions. However, it should be noted that the specific implementation and effect of the policy need further observation and evaluation.