Matching principal and interest repayment method is slow, and there are many interests. Banks will generally introduce you to the repayment method of equal principal and interest, which is beneficial to banks and earns more interest. You should choose the average capital method to repay the loan, and the total interest will be less than 40 thousand yuan. Look carefully at your loan contract and see if there is a clause that "repaying the loan in advance is a breach of contract". If there is such a clause, a penalty will be paid for repaying the loan in advance; If not, you can consult the bank to repay the loan in advance in the shortest time (some banks may stipulate that it will take one year to repay the loan in advance, so please ask the bank directly), and then choose the average capital method to repay the loan when re-signing the contract. The average capital method repays the loan of 300,000 yuan, the monthly principal is about 555 yuan, and the monthly interest is 1000 yuan. At first, the monthly payment was a little more than the equal principal and interest method, but the total interest was much less. As for your questions about "whether prepayment is appropriate", "how much will be paid each month after prepayment" and "what is the interest after 10 years", these are not the essence of the problem. Just remember one thing. If you borrow money from others, the sooner the better (unless you are better at Qian Shengqian! )