Which Loan to Repay First
Added 2026-10
Which Loan to Repay First — Chinese original prompt
我有 [可用于提前还款的金额]，贷款情况如下：[每笔贷款的余额、利率、剩余期限、违约金规则]。请按实际能省下的利息排序，先给出还哪笔、还多少、留多少应急金三个结论；再对比「缩短期限」与「降低月供」两种方式各自的代价和适合情形。
Site original
Chinese original
Example
Sample input
手里有二十万闲钱想提前还贷，两笔贷款余额、利率和违约金规则都在下面，按实际省息排序。
The output should include
- 排序依据是实际能省下的利息
- 给出还哪笔、还多少、留多少应急金
- 仅作参考，需与银行确认条款
Replace these placeholders 2
Swap the bracketed parts for your own details before sending.
[可用于提前还款的金额][每笔贷款的余额、利率、剩余期限、违约金规则]
How to use
先留足六到九个月应急金，剩下的部分再拿去提前还款。
Try tweaking it
- Ask for a checklist and timeline, marking which parts need a professional.
- Replace "what should I do" with "which three things first, and when".
What you should get
- An ordered action list with deadlines
- What must be confirmed with a professional or official channel
Common mistakes
- Using it as the doctor or lawyer and acting on the answer directly.
- Taking a single conclusion without asking about preconditions or real costs.
How to check the output
- It gives an order of steps and a decision deadline.
- It flags what must be confirmed with a doctor, lawyer or official channel.
Where it works
- Good for: turning everyday decisions into checklists and timelines, flagging what needs a professional.
- Watch out: health, insurance and legal output is reference only — confirm with a doctor, broker or lawyer.