If you need to apply for mortgage registration, it is best to apply for mortgage registration as soon as possible after buying the house, otherwise the bank may stop providing you with loans and ask you to repay the loan in advance;

If you mean paying off the loan in full sooner or later, it depends on your personal situation. If there are other suitable investment channels, you may wish to continue to borrow money and use the funds for other investment channels, and the income will be greater than the loan interest expense.