Can't repay in advance because the bank's income tax and interest charges will affect the borrower's spending power and repayment ability.

First, the bank will collect taxes according to the borrower's repayment ability. If the loan is repaid in advance, the bank will not be able to collect taxes from the borrower, causing losses to it.

Secondly, the bank will charge a certain interest fee for early repayment, which will affect the borrower's spending power, thus affecting its normal repayment ability.

In addition, more importantly, prepayment may bring income risk to banks, which will affect banks' evaluation of borrowers' ability to pay, and make banks more cautious when approving borrowers' loan applications.