Before 1 to 7 years, it is more appropriate to repay in advance. /kloc-early repayment within 0/year requires payment of liquidated damages for early repayment, with the largest interest payment, so it is not suitable for applying for loans. If it is repaid in advance after 7 years, it is too late and inappropriate to repay in advance under the method of matching principal and interest, because most of the total interest has been paid off and the interest has almost been paid off. Therefore, it is more appropriate to repay the loan before 1 to 7 years. If the repayment is made half a year in advance, in addition to paying the interest of 4869.69 yuan for half a year. There may also be a penalty interest of no more than 6 months' normal interest, so if you add another one, you will still have to spend half more, and the interest of 1 year is not much different from 9665.52 yuan, so 1 year does not need to be repaid in advance.