There are two types of loans: average capital and equal principal and interest.

The average capital decreases month by month. At first, the loan principal was relatively large.

Matching principal and interest means that the repayment amount is the same every month.

When the loan amount is fixed and the loan time is the same, the principal saves a lot of interest than the principal and interest.

The average capital is more suitable for prepayment,

Therefore, it is recommended that you use the repayment method in the average capital.

In addition, the shorter the loan term, the less interest will be paid.

30-year repayment interest is more,

Because you plan to pay off within 10 years, it is suggested to shorten the loan time.

And repay the principal of the commercial loan first.

I hope I can help you.