I think best is to as your loan bank. different bank might use different terms.

My understanding your payment pre-payments/advance loan payment will use to pay 5.9 months(jan till jun)

While

A loan reduction payment will take your 3K to offset total still own. This will result shorten our loan period. you still need to pay monthly payment. (loan amount reduce = pay less interest in long run).

My 2 kupang.

The best is still as your bank to conform.

This post has been edited by dreign: Jan 4 2020, 12:04 PM