After I bought a house loan of 27. 1 10,000, I paid it back in installments, and now I want to pay it back110,000. How do I calculate the balance after paying100000, and what is the change in interest? If the loan is handled by China Merchants Bank, on the premise that the repayment date remains unchanged, the prepayment amount is divided into two parts, one part is the prepayment principal, and the other part is the prepayment principal interest from the previous repayment date to the prepayment date.

After repayment, the changed remaining principal is the new principal, and the previous repayment date is the value date, so the monthly payment is recalculated. If the repayment date is the deduction date, the principal and interest that should be deducted in the current period must also be returned.