Dear, it depends on whether you choose to shorten the repayment period or reduce the principal of each repayment period when you prepay. If you choose to shorten the repayment period, then the monthly principal will still be so much, just saying that you can pay back a few years less. If you pay back 200,000 yuan in advance, you can pay back four years less.

If you choose to reduce the principal of each installment in the remaining time, you now include the three years that have been repaid, the principal has been repaid 50000×3+200000 = 350000, and the remaining principal is 100-35 = 650000. There are still 17 years. According to the average annual interest rate of 6%, the annual interest is 650,000× 0.06 = 39,000 yuan, the monthly interest is 39,000 yuan/12 = 3,250 yuan, and the monthly principal is 50,000 yuan/12 = 4167 yuan. So I will probably pay back 3280+4 167=7447 yuan next month.