I'll give you both cases. You can save money by reducing the total interest.
If you don't repay the 50,000 pounds in advance, your loan will be like this:
If equal principal and interest are used for repayment, the commercial loan of RMB 65,438+040,000 will be repaid in June 2026 in 240 months (20 years). According to the adjustment and fluctuation of the national benchmark interest rate and the following information provided by you, the total repayment in these 240 months is 265,438+065,438+0422.26 yuan, and the total interest paid is 765,438+0422.26 yuan;
From June 65438+ 10, 2007, the annual interest rate is 6.84%, and the discount is 6.7 105263 1578947. By February 2007, the monthly payment was 892.52 yuan. During this period, the total monthly payment is 107 10.3 yuan, and the remaining principal is 135624.4438+0 yuan;
From June 65438+ 10, 2008, the annual interest rate is 7.83%, and the discount is 6.7 105263 1578947. By February 2008, the monthly contribution was 94 1.57 yuan. During this period, the total monthly payment is 1 1298.83 yuan, and the remaining principal is 13 1349.78 yuan;
From June 5438+ 10, 2009, the annual interest rate is 5.94%, the discount is 6.7 105263 1578947, and the monthly contribution to February 20 10 is 853.09 yuan. During this period, the total monthly payment is 20,474.09 yuan, and the remaining principal is120,955.46 yuan;
Starting from 20 1 1 year 1 month, the annual interest rate will be 6.7 1052 1578947 to 201year 12. During this period, the total monthly payment is 10465.23 yuan and the remaining principal is 1 15579.96 yuan;
From June 2, 2065438 to June 2065438 +005263 1578947, the monthly contribution is 897.88 yuan at the annual interest rate of 7.05%; During this period, the total monthly payment is 10774.56 yuan and the remaining principal is 1 1065438 yuan;
From June 20 13, calculated at the annual interest rate of 6.55%,1.71051.55947, to February 2026, the monthly contribution will be 879.5438+0.6 yuan; During the period, the total monthly payment was 147699.25 yuan, and all the loans were paid off.
If 50,000 yuan is returned in advance this month, the results are as follows:
If equal principal and interest are used for repayment, the commercial loan of RMB 65,438+040,000 will be repaid in June 2026 in 240 months (20 years). According to the adjustment and fluctuation of the national benchmark interest rate and the following information provided by you, the total repayment amount (including prepayment amount) spent in this 147 month is 18 1390.3 yuan, and the total interest paid is 4 1390.3 yuan;
From June 65438+ 10, 2007, the annual interest rate is 6.84%, and the discount is 6.7 105263 1578947. By February 2007, the monthly payment was 892.52 yuan. During this period, the total monthly payment is 107 10.3 yuan, and the remaining principal is 135624.4438+0 yuan;
From June 65438+ 10, 2008, the annual interest rate is 7.83%, and the discount is 6.7 105263 1578947. By February 2008, the monthly contribution was 94 1.57 yuan. During this period, the total monthly payment is 1 1298.83 yuan, and the remaining principal is 13 1349.78 yuan;
From June 5438+ 10, 2009, the annual interest rate is 5.94%, the discount is 6.7 105263 1578947, and the monthly contribution to February 20 10 is 853.09 yuan. During this period, the total monthly payment is 20,474.09 yuan, and the remaining principal is120,955.46 yuan;
Starting from 20 1 1 year 1 month, the annual interest rate will be 6.7 1052 1578947 to 201year 12. During this period, the total monthly payment is 10465.23 yuan and the remaining principal is 1 15579.96 yuan;
From June 20 121.71052631.578947, the annual interest rate was 7.05%, and from July 20 12, the monthly contribution was 897.88 yuan; During this period, the total monthly payment is 6285. 16 yuan, and the remaining principal is 1 12447.438+0 yuan;
At this time, 50,000 yuan was repaid in advance, and the remaining principal was 62,447.1yuan. The remaining repayment period was shortened to 80 months.
From August 20 12, the annual interest rate is 6.7 105263 1578947, and the monthly contribution is 9,01.96 yuan; During the period, the total monthly payment was 72 156.69 yuan, and all the loans were paid off.