I would like to ask about the matching principal and interest loan of CCB. The loan amount is 6.5438+0.8 million, and the term is 20 years. How much money can you save if you want to pay it off in the third year? The sooner you pay it back, the less interest. That's for sure.

Because there is no penalty for prepayment, you can prepay if you have money.

You don't need to calculate how much money you have saved.

The assumed benchmark of interest rate is 6.55%,180,000 yuan for 20 months,1437; Such as floating 10% 7.205% and monthly payment 14 17 yuan.

Loan180,000, first month interest =180,000 * monthly interest rate (loan annual interest rate/12), monthly payment = interest of this month+repayment of part of principal (about 360);

Interest for next month = loan balance (179640) * monthly interest rate; Monthly payment = monthly interest of this month+repayment of part of the principal;

As time goes by, the proportion of monthly interest in monthly payment decreases, and the proportion of principal repayment increases.

So if you pay it back one month in advance, you will lose one month's interest.

The sooner the principal is repaid, the less interest will be paid.

Unless you can get a higher income than the loan interest rate through the investment gateway.