You have to look at your own situation. You still have a month without much pressure. Both methods can be used. There is nothing to save money, only the choice that suits you best. Now, if you bring 30W 15, and there is no pressure to repay around 2700 a month, you can choose the first option. After completing the formalities, you can directly use the provident fund to repay the principal and loan 200 thousand. Then you look at your personal situation. This is a choice. If there is no pressure, the year will be reduced, and if there is pressure, the monthly payment will be reduced.

If you have the ability to borrow money from friends for a short time, you can choose the second option, but it is more difficult to borrow money than to borrow life these days. Besides, you just have to think about how to pay it back after borrowing it. You must save money to pay off the debt with the loan. Anyway, the pressure is not small, and you still have human feelings.

Look at what you said, it seems that you bought a new house, because what you said is to handle the property right certificate instead of the later taxes and fees, and there are deed taxes and maintenance funds behind the new house. If it is second-hand, it depends on the condition of your house.