Personal advise, if you can afford to pay more now. As long as the interest they charge you is correctly count, do pay up. As any excess of the monthly interest will deduct the capital loan. The more capital loan deducted, the lesser accumulated interest that bank manage to earn from you.

I have a property that started building not long. And my instalment is forecast to be RM3K when the property is completed. Now so far bank have only release 60K. The statement charging me only few hundred ringgit. But I ady paying RM3K monthly. Tracking by excel and obviously show I save alot in interest. So I am rushing over time to pay as much as possible before bank releasing more $ to developer.