Legal analysis: the house loan can be paid off in advance. The expenses incurred by the creditor due to the debtor's early performance of the debt shall be borne by the debtor. If the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 530 Creditors may refuse the debtor's early performance of the debt, unless the early performance does not harm the creditors' interests. The expenses incurred by the creditor due to the debtor's early performance of the debt shall be borne by the debtor.

Article 677 Where the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period.