Full repayment. Partial repayment. If there are conditions, of course, choose full repayment. Saved a lot of interest. If you choose partial repayment, choose to keep the monthly payment unchanged. Reduce the number of installments. This has the lowest interest rate and the highest cost performance! It is more cost-effective to repay the principal within 30 years, preferably 10 year!

Fixed monthly payment shortens the service life, which refers to a way to repay the loan in advance, whether it is the average capital or the loan form with equal principal and interest.