Excuse me. What do you mean, overdue and early recovery?

taking back the loan contract in advance means that the loan is overdue, and the principal, interest and penalty interest are all returned together. If you can't pay back all of them now, if it is overdue, you can only negotiate, return some of them and waive the penalty interest, and the interest will definitely need to be paid. If it is overdue for a long time, the penalty interest is not a small sum, so you can only negotiate to waive the penalty interest, and then collect money to pay back all of them together.