This issue is a bit complicated.
Monthly payment is 5600. 5600*12*20=1344000 in 20 years
The interest you pay in 20 years is 1343000-700000=644000. The monthly interest is about 2,700. Of course, if the principal and interest are repaid, the interest will decrease month by month. The interest paid in the early stage will be higher and the principal will be lower. The monthly principal is about 2,900, and the principal increases month by month
If you make monthly payments for one year, your principal repayment will be about 30,000. Repay 100,000 in advance. You probably paid back around 130,000. If calculated as 130,000. Your new loan period is 15 years and the loan amount is 570,000. Then you can choose to keep the monthly payment unchanged, which can save about 260,000 in interest, which means that you originally need to pay back 644,000. If you repay in advance and change the period, the maximum interest repayment will be about 380,000.
If you want to change the principal. That is the following situation: If you borrow 570,000 yuan, you will have to repay about 321,000 yuan in interest.
January, 6719.67 (yuan)
February, 6699.93 (yuan)
March, 6680.19 (yuan)
4 Month, 6660.45 (yuan)
May, 6640.71 (yuan)
June, 6620.97 (yuan)
July, 6601.23 (yuan)
p>August, 6581.49 (yuan)
September, 6561.76 (yuan)
October, 6542.02 (yuan)
November, 6522.28 (yuan)
In December, 6502.54 (yuan)
In 13 months, 6482.8 (yuan)
14 months, 6463.06 (yuan)
15 months, 6443.32 (yuan)
16 months, 6423.58 (yuan)
17 months, 6403.84 (yuan)
18 months, 6384.11 ( Yuan)
In 19 months, 6364.37 (yuan)
In 20 months, 6344.63 (yuan)
In 21 months, 6324.89 (yuan)
22 months, 6305.15 (yuan)
23 months, 6285.41 (yuan)
24 months, 6265.67 (yuan)
25 months, 6245.93 (yuan)
26 months, 6226.19 (yuan)
27 months, 6206.46 (yuan)
28 months, 6186.72 (yuan)
29 Month, 6166.98 (yuan)
In 30 months, 6147.24 (yuan)
31 months, 6127.5 (yuan)
32 months, 6107.76 (yuan)
p>33 months, 6088.02 (yuan)
34 months, 6068.28 (yuan)
35 months, 6048.54 (yuan)
36 months, 6028.81 (yuan)
37 months, 6009.07 (yuan)
38 months, 5989.33 (yuan)
39 months, 5969.59 (yuan)
40 months, 5949.85 (yuan)
41 months, 5930.11 (yuan)
42 months, 5910.37 (yuan)
43 months, 5890.63 ( Yuan)
44 months, 5870.89 (yuan)
45 months, 5851.16 (yuan)
46 months, 5831.42 (yuan)
47 months, 5811.68 (yuan)
48 months, 5791.94 (yuan)
49 months, 5772.2 (yuan)
50 months, 5752.46 (yuan)
In May 51, 5732.72 (yuan)
In May 52, 5712.98 (yuan)
In May 53, 5693.24 (yuan)
54 Monthly, 5673.51 (yuan)
55th month, 5653.77 (yuan)
56th month, 5634.03 (yuan)
57th month, 5614.29 (yuan)
p>58 months, 5594.55 (yuan)
59 months, 5574.81 (yuan)
60 months, 5555.07 (yuan)
61 months, 5535.33 (yuan)
62 months, 5515.59 (yuan)
63 months, 5495.86 (yuan)
64 months, 5476.12 (yuan)
65 months, 5456.38 (yuan)
66 months, 5436.64 (yuan)
67 months, 5416.9 (yuan)
>68 months, 5397.16 (yuan)
69 months, 5377.42 (yuan)
70 months, 5357.68 (yuan)
71 months, 5337.94 (yuan)
In July 72, 5318.21 (yuan)
In July 73, 5298.47 (yuan)
In July 74, 5278.73 (yuan)
75 Monthly, 5258.99 (yuan)
76 months, 5239.25 (yuan)
77 months, 5219.51 (yuan)
78 months, 5199.77 (yuan)
p>In 79 months, 5180.03 (yuan)
80 months, 5160.29 (yuan)
81 months, 5140.56 (yuan)
82 months, 5120.82 (yuan)
83 months, 5101.08 (yuan)
84 months, 5081.34 (yuan)
85 months, 5061.6 (yuan)
In 86 months, 5041.86 (yuan)
In 87 months, 5022.12 (yuan)
In 88 months, 5002.38 (yuan)
In 89 months, 4982.64 ( Yuan)
In September 90, 4962.91 (yuan)
In September 1991, it was 4943.17 (yuan)
In September 92, it was 4923.43 (yuan)
In 1993, 4903.69 (yuan)
In 94, 4883.95 (yuan)
In 95, 4864.21 (yuan)
In 96, 4844.47 (yuan)
In 1997, 4824.73 (yuan)
In 98, 4804.99 (yuan)
In 99, 4785.26 (yuan)
100 Month, 4765.52 (yuan)
In November, 4745.78 (yuan)
In February, 4726.04 (yuan)
In March, 4706.3 (yuan)
p>104 months, 4686.56 (yuan)
105 months, 4666.82 (yuan)
106 months, 4647.08 (yuan)
107 months, 4627.34 (yuan)
108 months, 4607.61 (yuan)
109 months, 4587.87 (yuan)
110 months, 4568.13 (yuan)
November, 4548.39 (yuan)
November, 4528.65 (yuan)
November, 4508.91 (yuan)
November, 4489.17 ( Yuan)
In 115 months, 4469.43 (yuan)
116 months, 4449.69 (yuan)
117 months, 4429.96 (yuan)
118 months, 4410.22 (yuan)
119 months, 4390.48 (yuan)
120 months, 4370.74 (yuan)
121 months, 4351 (yuan)
122 months, 4331.26 (yuan)
123 months, 4311.52 (yuan)
124 months, 4291.78 (yuan)
125 Month, 4272.04 (yuan)
126 month, 4252.31 (yuan)
127 month, 4232.57 (yuan)
128 month, 4212.83 (yuan)
p>129 months, 4193.09 (yuan)
130 months, 4173.35 (yuan)
131 months, 4153.61 (yuan)
132 months, 4133.87 (yuan)
133 months, 4
114.13 (yuan)
134 months, 4094.39 (yuan)
135 months, 4074.66 (yuan)
136 months, 4054.92 (yuan)
137 months, 4035.18 (yuan)
138 months, 4015.44 (yuan)
139 months, 3995.7 (yuan)
140 months, 3975.96 ( Yuan)
141 months, 3956.22 (yuan)
142 months, 3936.48 (yuan)
143 months, 3916.74 (yuan)
144 months, 3897.01 (yuan)
145 months, 3877.27 (yuan)
146 months, 3857.53 (yuan)
147 months, 3837.79 (yuan)
148 months, 3818.05 (yuan)
149 months, 3798.31 (yuan)
150 months, 3778.57 (yuan)
151 Month, 3758.83 (yuan)
152 month, 3739.09 (yuan)
153 month, 3719.36 (yuan)
154 month, 3699.62 (yuan)
p>155 months, 3679.88 (yuan)
156 months, 3660.14 (yuan)
157 months, 3640.4 (yuan)
158 months, 3620.66 (yuan)
159 months, 3600.92 (yuan)
160 months, 3581.18 (yuan)
161 months, 3561.44 (yuan)
162 months, 3541.71 (yuan)
163 months, 3521.97 (yuan)
164 months, 3502.23 (yuan)
165 months, 3482.49 ( Yuan)
166 months, 3462.75 (yuan)
167 months, 3443.01 (yuan)
168 months, 3423.27 (yuan)
169 months, 3403.53 (yuan)
170 months, 3383.79 (yuan)
171 months, 3364.06 (yuan)
172 months, 3344.32 (yuan)
173 months, 3324.58 (yuan)
174 months, 3304.84 (yuan)
175 months, 3285.1 (yuan)
176 Month, 3265.36 (yuan)
177 month, 3245.62 (yuan)
178 month, 3225.88 (yuan)
179 month, 3206.14 (yuan)
p>180 months, 3186.41 (yuan)
The above is just a rough estimate, I hope it can help you.
As for whether you will sell it within five years. It depends on your own profit. And it will be determined based on the price you sell it for.