Let's just say that you borrowed 600,000 yuan, and after borrowing for 20 years, you will earn about 300,000 yuan more interest. As for the repayment of the loan, it needs to be repaid every month, and the interest of about 300,000 yuan is spread evenly among the minimum monthly repayment amount in these 20 years, that is, 240 months. If you have money halfway, you can repay it in one lump sum. For example, two years ago, you paid back the principal of 200,000 yuan and the interest was 6,543,800 yuan. If you still pay back slowly according to the minimum monthly repayment amount of the bank, you still have to pay back the principal of 400 thousand and the interest of 200 thousand. If you have money, you can repay the principal of 400,000 yuan at one time, and the interest paid later is not counted. The interest paid before is still calculated according to the 20 years of your loan. I bought a house on my own loan for 30 years. Two-year repayment, the interest before one-time repayment of the principal is counted as my loan for 30 years, the next one-time repayment of the principal and the next one-time repayment of the interest are not counted, but you should communicate with the person who received you at the bank where you handled the loan or the loan manager in advance to handle the one-time repayment. If you don't communicate, you will repay yourself. First, you don't know how much the remaining principal needs to be repaid. Second, the bank will definitely do it.