The reasons why the borrowers choose to prepay are based on a variety of factors from interest rates of mortgage loan to the ability of prepayment.

• 造成提前还贷的因素是多方面的:借款人积蓄增加、其它投资收益减少、住房抵押贷款利率上升,另外还有转让房屋等其它的获得提前还贷资本的可能。