It is cost-effective to repay the loan after 200,000 years. According to relevant public information, there are two main ways to handle mortgage business, namely equal principal and interest and average capital. Matching principal and interest refers to the sum of the principal and total interest of the housing loan, and then evenly distributed in the monthly repayment amount, so the repayment amount of matching principal and interest is the same. Average capital refers to the repayment of loan principal and total loan interest respectively. Because the annual loan interest is different, the monthly repayment amount in the average capital is also different. Although the prepayment amount of average capital is higher than the matching principal and interest, the average capital is more cost-effective as a whole.