15 of the mortgage has been paid 12 years ago. Can I pay less in advance for the remaining three years?
Of course. When you bought a house on 15 and took out a house purchase loan through commercial loans, you can enjoy interest discount if you pay off the loan in advance during the remaining repayment period. You can reduce the interest expenses during the remaining repayment period by repaying part or all of the loan principal in advance, so as to save the repayment amount.