Interest can be deducted. Credit card repays in advance, and interest in other months will be deducted. In addition to charging a certain amount of interest, most banks also charge a certain amount of prepaid fees. If you have decided to pay in advance, you need to make up the commission for the remaining months. In other words, after the user applies for installment payment, no matter how you repay, the monthly handling fee will be borne. CCB has successfully handled the installment payment of bills. After confirmation by CCB, the cardholder will terminate the installment payment business, and the installment payment service fee will not be refunded. At the same time, the cardholder must pay the remaining principal and all handling fees in one lump sum. The interest depends on the type of loan you pay in installments. If you borrow from a mortgage or a credit card, you can save interest and prepay.

If it is a credit card installment payment, interest will be charged even if it is repaid in advance; So according to your loan situation, you can consult customer service if you don't understand. Matching principal and interest repayment method During the repayment period, the loan (including principal and interest) is repaid in equal amount every month. Because the monthly repayment amount is fixed, it can control the expenditure of family income in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.

The monthly repayment amount is the same. As a lender, the operation is relatively simple. Spending the same amount of money every month will also make it easier for you to arrange your expenses. Disadvantages: Because interest will not decrease with the repayment of principal, bank funds will increase in time, and the total interest paid is higher than the repayment law of average capital to be introduced below. Applicable people: family income is stable, buying a house is for self-occupation, and economic conditions do not allow too much upfront investment. You can choose this way, such as civil servants, teachers and other groups with relatively stable income and more job opportunities.

Repay all loans in advance. This way, interest is not repaid, but the interest paid is not repaid. Repaying some loans in advance, and keeping the monthly repayment amount of the remaining loans unchanged, can shorten the repayment cycle. Repay part of the loan in advance, and share the remaining loan equally every month, with the repayment period unchanged. Pay off some loans in advance, share the remaining loans equally every month, and shorten the repayment period. Increase the monthly repayment amount and reduce the repayment period. The biggest feature of repayment of average capital is that the lower the interest rate, the smaller the repayment pressure. Therefore, the repayment method of the principal, if applicable, is one-third of the mortgage loan, and there is still the principal when the interest is almost half in the later period. It doesn't matter much whether to pay back the money in advance at this time.