An algorithm about how much the Bank of Communications loan needs to be repaid in advance.

Bank of Communications only collects liquidated damages if it repays in advance for more than 5 years and less than 3 years. There will be no charge in this case, so don't worry, but your principal is likely to be more than 50 thousand yuan. According to the information you provided (the monthly repayment interest rate fluctuates around 1.050 yuan), it can be seen that your repayment method is equal principal and interest (that is, the same amount of money is paid every month). This repayment method pays more interest in the early stage and less principal in the later stage. If you have a savings card for repayment, you can call 95559 directly and ask the staff to check the specific amount of the loan principal for you.