The loan is 265,438 438+ 10/00,000, and the repayment of 700,000 in advance in the second year of 25 years will shorten the service life by 5-6 years, which needs specific analysis. It can be shortened by 5-6 years. If part of the loan is repaid in advance after the loan, the repayment period can be shortened or the monthly repayment amount can be reduced according to the relevant regulations of the bank. According to the situation, the loan of 265,438 438+ 10/00000 will be paid off in 20 years, which is about the principal of 1 00000 per year (excluding loan interest). If the loan is repaid in advance, it can be shortened by 5-6 years. To shorten the repayment period, it is necessary to negotiate with the loan bank according to the specific situation after repayment.