To repay the loan?

Often the question is whether it pays to pay back a loan when we have the capital and we are in the middle of repayment.

An example : "8 years ago I took loan for house purchase 65,000 euros for 20 years. Currently the remainder is 47000 euros and my remaining 12 years.'ve fixed rate of 5.3% which means that performance I give 450 euro / month and pay with interest 65000 euro yet. " At first reading seems to interest repayment.

But if we assume that the transactions rate from now until the end is 3.19% (3.79% with a fee), so with a deposit of 5% (4.5% net) we gain.

Utility file calculations (with annual capitalized interest deposit).