Your loan interest rate is 30%, which is the best. The loan interest rate at that time was also the lowest in recent years. Later, interest rates were raised several times, but they fell last year, but they were still higher than your loan interest rate at that time. If it was deducted separately, did you apply for a provident fund portfolio loan at that time? You can check your loan contract.

Because your loan interest rate is very low, 4.585%, you may even have some provident fund loan interest rates of 4.5%. Repayment in advance is not recommended. If there are surplus funds, it is better to deposit them directly for five years, with 4.75%. Individual local banks and commercial banks may rise 10%, and 5.225% is more appropriate.