1.8 million. According to the inquiry of China Travel Service. Com, if the mortgage loan of 260,000 yuan has been repaid for five years, assuming that the original contract term is 20 years and the total interest is 6.5438+0.2 million yuan, it is enough to repay more than 6.5438+0.8 million yuan in advance. The penalty for early repayment is charged according to the proportion of repayment principal, ranging from 654.38+0% to 2%, and the remaining interest needs to be calculated according to the repayment progress.