The interest before you reduce the loan term is calculated at 10 year. After the change, the interest will be recalculated according to your remaining principal and the remaining years after the change. It is absolutely impossible to calculate interest according to 10 year.

There is no obvious difference between good and bad prepayment.

If your money is idle and there is no other investment channel, you can repay it in advance. If you have other purposes (such as investment, stock trading, purchase of other wealth management, etc. ), don't prepay. After all, mortgage is the lowest interest rate of all loans.

I hope I can help you!

If you don't provide the specific loan start date and the exact date of prepayment, you can't calculate the specific results.

In addition, interest cannot be repaid in advance. The interest of 1300 you mentioned should belong to liquidated damages (generally, there are liquidated damages for early repayment of loans within the first year).

Moreover, in the first month of each year, if there is interest rate adjustment and early repayment of principal in the previous year, the calculation method will be different, which will lead to an increase in repayment amount compared with the previous year, which is quite normal.

One of your problems is that the loan has not been paid off for one year, and the other is New Year's Eve. One is that the interest rate was raised last year, so the calculation is very complicated. However, I can say for sure that the bank has not made a calculation error. You can ask them to explain the specific calculation method to you. Of course, manual bookkeeping is troublesome, not impossible, but troublesome If you know the calculation method, you should be able to roughly estimate it.

If there are any questions. Let's continue our discussion.