290,000 yuan, to be repaid in 20 years, with monthly payment of 1.875 yuan. By the end of March this year, it had been paid for 20 months, with a balance of 274,900. If you pay 50,000 yuan first, the remaining 224,900 yuan will be paid; If found, 1.875 yuan per month, only 1.64 months (8 months in total,1.875 *1.84+50,000 yuan = 395,000 yuan).
According to the original calculation, the total repayment amount is1875 * 240 = 450,000, saving 55,000.
However, money is not like this. Money is time-sensitive. If 50,000 yuan can be invested reasonably, the future income will be far greater than the loan interest difference.