In these 20 years, the interest of the previous 10 year is repaid, but this is more than half of the total interest in the 20 years, because the interest of the previous 10 year is much more than that of the later 10 year.

So there are five situations that are not suitable for prepayment. Let's see if you are among them:

1. Enjoy a 30% discount or other preferential interest rates. 2. The repayment period of equal principal has passed 1/3. Matching principal and interest repayment has reached the middle stage. 4. The investment income is higher than the loan interest rate. 5. Provident fund loans (because the interest rate is very low)