The monthly payment is partly the principal and partly the interest, which means that you pay the interest every month, and the interest is not paid in one lump sum. Then when you need to pay off in advance one year later, check the current loan balance and add the interest generated on the last repayment date to the settlement date, which is the total amount to be repaid.

First of all, you can check the loan balance at any time, so let's not talk about it. Secondly, you didn't give the loan interest rate. If the loan interest rate is 7% (annual interest rate), if there are 10 days from the last repayment date to the settlement date, then the interest of this 10 day needs to be calculated.

10 interest: 50000*7%/360* 10. The above is hypothetical data. The loan interest rate can be determined according to the current interest rate after one year and the interest rate fluctuation agreed in the contract, and then calculated according to the actual number of days. In fact, there is no need to calculate. You can ask the bank to provide it for you.