I plan to leave like $5000 in this account then redraw the prepayments when it is necessary because the home loan interest is far more less than any other loans.

• 但是：比如20万贷款，你可以放19万9千进去，只差个1000块钱慢慢还，等到银行要求的时间到了再还清或者转走就可以避免这个罚款