It depends on whether the lender signed the names of the husband and wife or one of them when signing the loan contract. If it is signed by both parties, both husband and wife need to be present together. As co-payers, both husband and wife need to be present in advance. In other words, early repayment needs to see the names of several people on the real estate license. If it is a person's name, you need this person to go. If it's two people, you need two people to go together.

Does prepayment have to be one year later?

Not necessarily. If the loan contract stipulates that the user must meet one year before prepayment, then if prepayment is to be made, repayment must be made over one year. There is no specific prepayment period for loans, and users can choose to prepay at any time. It should be noted that some loans need to be repaid in advance and pay a certain penalty.