The loan needs to pay the principal and interest. According to the current speed of economic development, the earlier the loan is repaid, the less interest it pays, and the more cost-effective. However, if the economy develops at a high speed, the purchasing power of money drops sharply, and the circulation of money increases rapidly, it is the most cost-effective to pay it off at 15 as planned. According to 30 years ago, China's per capita disposable income was about 1500. At that time, the loan was 100, which was completely different from the current loan 100. If the economy can follow the speed of the previous 30 years, the current 654.38+0 million can reach the income in the second half of 30 years. But it's impossible. Unless China collapses like Somali.