This depends on bank regulations. Some require more than half a year. For example, Minsheng Bank

Early repayment of equal principal and interest can shorten the period. If you choose to shorten the repayment period and keep the monthly payment unchanged, the customer can pay off the debt early; and if you choose to reduce the monthly payment and keep the repayment period unchanged, the customer's monthly payment The repayment pressure will be alleviated. If the customer has sufficient repayment ability and sufficient funds in hand, he or she can directly choose to pay off the loan in advance in one lump sum. Everyone should also note that after paying off part of the mortgage in advance, interest will no longer be calculated based on the total amount of the loan, but will be calculated based on the remaining unpaid principal. It is precisely because of this that early repayment of a mortgage can reduce or reduce a certain amount of interest. If the customer chooses to repay in advance during the repayment period, more interest can be reduced (after all, the interest will be almost repaid by the end of the repayment period). If it is repaid in advance in one lump sum, the interest will only be calculated until the day of the early repayment. Is it cost-effective to repay equal principal and interest in advance? It is not as cost-effective to repay equal principal and interest in advance as equal principal. From the above we have understood that interest is based on proportion. But one thing is obvious: except for the first month, the interest paid on the same amount of principal in each subsequent month will be less. Therefore, if you have relatively loose funds, little monthly payment pressure, and no other financial management channels, you may wish to choose Equal principal amount. The monthly payment we pay to the bank includes principal and interest. In other words, as we repay the monthly payment to the bank, the principal we owe the bank decreases month by month, and the interest is the principal owed to the bank this month * the monthly interest rate. Therefore, it can be said that the interest we pay to the bank is also is decreasing month by month. Since the characteristic of equal principal and interest is that the monthly payment we repay to the bank is the same every month, it can be seen that the principal we repay increases month by month, and the interest repaid decreases month by month; and because of the equal principal and interest The characteristic is that the principal we repay to the bank is the same every month, so it can be seen that the principal we repay will never change, and the interest repaid is decreasing month by month