As long as the loan is repaid for more than one year, it can be repaid in advance at any time. You can choose to pay in full or in part in advance. However, after the repayment period exceeds 1/3, there is no need to repay in advance, because most of the interest is paid, followed by more principal and less interest, which is uneconomical.

You pay the same amount of principal and interest every month, and it will be the same in the future. After adjusting the interest rate, the difference will not be great, and the repayment will be the same every month.

In ten years, you always have to pay back about 40 thousand interest. If you pay back five years in advance, you will only save about 12 thousand interest (Probably so, the difference is not very big. The main thing is that I don't know your loan interest rate at that time, only that you have floated. )