I bought a house with a provident fund loan. At that time, I borrowed 10 years, and I have paid it back for five years. Now I want to pay it off in one lump sum. Who knows this is a good deal?

If the money in hand is useless and only deposited in the bank to collect interest, it is still cost-effective to pay it back in advance.

But to be honest, it is not recommended (if the original average capital is not bad, especially if the original principal and interest are equal, it is not recommended).

You can do some notice deposits or short-term wealth management products in the bank, which are all good.

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