There are two prepayment methods:

One is to reduce the total amount owed but the term remains the same, that is, if you repay 654.38+ million in advance, your total amount owed will be reduced by 654.38+ million, and your monthly payment will be reduced;

The second is that the monthly payment is unchanged, but the loan time is shortened, that is, you can shorten the loan period from 30 years to more than 20 years, but the monthly business is still the same as before. I suggest you choose the latter, which can also reduce your total interest;

The liquidated damages for early repayment vary from bank to bank, and are generally paid according to the interest of the remaining principal for one month. However, at present, the liquidated damages for prepayment of many banks are rising, so I suggest you deal with them as soon as possible.