The mortgaged house has been loaned and cannot be changed casually. Mortgage loan is determined according to the borrower's repayment period and repayment ability and cannot be changed with the approval of the bank. The borrower can choose to prepay, but there will be a certain penalty for prepayment.

Prepayment process:

1. Repayment in full in advance: after the loan bank verifies that the relevant materials are correct, it will go through the formalities of prepayment in full.

2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement;

3. The original loan guarantee method is mortgage+insurance and the mortgage registration has been completed, and the borrower who is not mortgaged+insurance is selected; 4. Apply for partial repayment in advance to shorten the loan period;

5. The lending bank shall instruct the borrower to fill in the relevant agreement, and the signed agreement shall be sent to the corresponding sub-center by the lending bank in time.