You can repay in advance. Mortgage loan contracts usually stipulate the relevant terms of prepayment, including the handling fee of prepayment and the calculation method of interest. For the specific prepayment policy, you can check your own loan contract or consult the lending institution. Generally speaking, prepayment can reduce your debt pressure, save interest expenses and help improve your personal credit record. However, it should be noted that some loan contracts may stipulate a certain prepayment period or quota limit, and prepayment beyond the quota may generate additional expenses. Therefore, before prepayment, it is recommended that you communicate with the lending institution to understand the relevant policies so as to make an informed decision.

If the loan application is rejected, you can check your credit status in Changbai Data before applying for a loan. If the credit is not good, it will be easier to pass the application after waiting for a period of time, when the credit risk score is not high and there is almost no stain.