If you're a guy....you're most welcomed, pal!
If you're a girl.....you're mostest welcomed, muak muak!
Joking arh....don't take it seriously.
Actually, there is one other party who makes much, much more
than the banks. 
Provided that your loan agreement allows you to have rebates for
early settlement, most banks will only allow for rebates AFTER 3
years.
The danger is.....I think some banks have penalty clauses for early
settlement before 3 years.
Yes, yes, please check with your bank. Or refer to your loan
contract.
