IMHO, it depends on yourself.

1st Question:
Would you use ur extra money to invest for the 1st year??

2nd Question:
What do you invest??

Can you invest something which can earn you more than what you can save from the interest on the first year? If no, then just pay more for the 1st year lar...

But please dun rush into things. You need some cash flow for yourself too. We live to enjoy our life, not paying for the house.