If the interest rate of the loan at that time was 4.9% of the benchmark interest rate for more than five years, and the principal and interest were 12, then the new remaining repayment period was 80, saving 244.
If you don't want to pay off your mortgage at one time, there are two ways to repay it in advance. One is to shorten the repayment period and keep the monthly repayment amount unchanged. The other is to reduce the repayment amount and keep the repayment time unchanged. Shortening the repayment time can save interest relatively. In theory, you are free to choose either of the two repayment methods, but it may not work in practice, because at present, some banks require that if you repay in advance, you can only reduce the monthly repayment amount and keep the loan term unchanged.