There are two main ways to repay a mortgage loan in advance. One is to pay off all of it in advance, and the other is to pay off part of it in advance. Partial prepayment can be divided into two ways: one is to shorten the loan term and keep the monthly repayment amount unchanged; the other is to reduce the monthly repayment amount and keep the loan term unchanged. The details of the Bank of Beijing's early loan repayment are as follows: early repayment is not allowed within one year, and there will be no penalty interest if you apply one month in advance after one year; the real estate certificate will be canceled and transferred after about 10 working days.