The average capital loan is 30 years, and the annual interest rate is 5. 19. If it is repaid in full in 10 years in advance, is it different from the loan of 10 years of average capital, for example, if it is calculated by borrowing 300,000 yuan? Hello, I'm glad to answer your question. Of course, the shorter the loan time, the less interest. Loan of 300,000 yuan 10 with total interest of 85,200 yuan. The total interest on your loan for 30 years is 290 thousand. * * * It doesn't make much sense to spend 65,438+00 years on your average capital in 30 years, so the number of years is even more uneconomical. But there will be a new problem, that is, judging according to your own financial situation, because if you borrow 10 years, the monthly payment is 3209 yuan, but if you borrow for 30 years, the monthly payment is about 1700 yuan.