200,000, 15 years, housing mortgage? Is your interest monthly or yearly? I guess it's annual interest. Calculated by equal principal and interest, monthly 1938.

It is troublesome to pay off interest five years in advance. If you add some information, I'll help you calculate it.

You don't need to issue too many income certificates. Who can't tell at a glance?

Generally, it is three times the monthly payment, otherwise it is considered that your repayment ability is not enough.

Add: There is no good way. You should consult your lawyer and see how much advice he will give you. How to pay back more than one month 1000 yuan? There is nothing left except to pay back the money. If you provide it yourself, the bank is unlikely to grant it to you (except fraud).