Legal analysis: suppose you take out the loan at the beginning of 20 16, and you have repaid 5 1. If 1 10,000 is repaid in advance and "monthly payment is basically unchanged" is selected, the loan period can be shortened by 8 1 month, that is, 6 years and 9 months, leaving 228 months (360-565438+).

If you start repayment in May, 2065438+2009, with a monthly payment of 4,300 yuan and an interest rate of 5.85%, you have already repaid 1 1 period. After prepayment, the loan period can be shortened by 99 months, that is, 8 years and 3 months, leaving 250 months (360-65438).

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 8 The term and interest rate of personal loans shall conform to the relevant provisions of the state.

Article 39 With the consent of the lender, individual loans may be issued.

For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety.

Article 40 The lender shall recover the loan principal and interest in accordance with the loan contract.

For loans that are not repaid in accordance with the loan contract, the lender shall take measures such as collection or agreement restructuring.