1, you borrowed it for 30 years, but you only paid it back for more than one year, and most of the interest has not been paid back, so you should repay some loans in advance, which can reduce your total interest;

2. There are two ways to prepay. One is to reduce the total amount owed but keep the term unchanged, that is, if you repay 654.38+ million in advance, your total amount owed will be reduced by 654.38+ million, and your monthly payment will be reduced. The second is that the monthly payment is unchanged, but the loan time is shortened, that is, you can shorten the loan period from 30 years to more than 20 years, but the monthly business is still the same as before. I suggest you choose the latter, which can also reduce your total interest;

3. The penalty for prepayment varies from bank to bank. Generally, it is paid according to the one-month interest of the remaining principal, but at present, the penalty for many banks is rising. I suggest you deal with it as soon as possible.

4. The bank generally stipulates that the repayment method can be modified, but the loan contract needs to be re-signed, and the bank manager will have a little opinion and need to ask orally.

Good luck.

Abin, a real estate agent, will answer your questions.