大家好，想咨询一下关于房贷每年10%overpayment .
去年10月份的时候halifax批了180千的房贷。2年5.61%fixed rate2025年12月到期。因为卡里还有余额所以去年12月的时候一次性还了10%overpayment。然后前几天又还了1笔今年额度的10%overpayment。
然后咨询了一下halifax online chat 客服：Whenever an overpayment is made,you can either choose to reduce the term of your mortgage by contacting our team on 03458503705, so they can recalculate the term of your mortgage. The opening hours for this department is 08:00-20:00 on weekdays and 09:00-16:00 on Saturdays. The second option is you can contact us or the above team so we can raise a request to recalculate the monthly payment for you. I would also make you aware that whenever a monthly payment is calculated it will be effective from the next month. You can also choose to keep your monthly payment and term as sameas now.
我想问的是按照客服的说法我现在就可以申请减少贷款年限，但是在我们论坛上有的人说要等到remortgage的时候才可以。到底哪个才是正确的哇？
另外 按现在的利率 是减少年限划算还是减少月供或者不变？哪个会更划算点呢
谢谢 大家