Statistics show that, among consumers engaging in second-hand commercial housing transactions, 45% opt to purchase a home using a loan. Nowadays, with the sluggish stock market, some investors are beginning to consider early loan repayment. At the same time, many mortgage borrowers who have received their year-end bonuses will also contemplate repaying their loans ahead of schedule. Regarding this, experts from the Beijing Centaline Research Department of the Tertiary Housing Market provide advice on the procedures and precautions for early loan repayment.