贷款买房7万，5年期己还贷4年零2个月了，还有不到一年，请问专业懂行的人士指点我是否现在一次还请？

其实你的利息还的差不多了，剩下的都是本金，提前还贷，就只是还本金 贷款金额：70000.0元 贷款期限：5.0年 贷款年利率：4.5% 还款方式：等额本息 期数 应还本金 应还利息 月还款额 贷款余额 1 1,042.51 262.50 1,305.01 68,957.49 2 1,046.42 258.59 1,305.01 67,911.07 3 1,050.34 254.67 1,305.01 66,860.72 4 1,054.28 250.73 1,305.01 65,806.44 5 1,058.24 246.77 1,305.01 64,748.20 6 1,062.21 242.81 1,305.01 63,686.00 7 1,066.19 238.82 1,305.01 62,619.81 8 1,070.19 234.82 1,305.01 61,549.62 9 1,074.20 230.81 1,305.01 60,475.42 10 1,078.23 226.78 1,305.01 59,397.19 11 1,082.27 222.74 1,305.01 58,314.92 12 1,086.33 218.68 1,305.01 57,228.59 13 1,090.40 214.61 1,305.01 56,138.19 14 1,094.49 210.52 1,305.01 55,043.69 15 1,098.60 206.41 1,305.01 53,945.10 16 1,102.72 202.29 1,305.01 52,842.38 17 1,106.85 198.16 1,305.01 51,735.53 18 1,111.00 194.01 1,305.01 50,624.52 19 1,115.17 189.84 1,305.01 49,509.35 20 1,119.35 185.66 1,305.01 48,390.00 21 1,123.55 181.46 1,305.01 47,266.45 22 1,127.76 177.25 1,305.01 46,138.69 23 1,131.99 173.02 1,305.01 45,006.70 24 1,136.24 168.78 1,305.01 43,870.46 25 1,140.50 164.51 1,305.01 42,729.97 26 1,144.77 160.24 1,305.01 41,585.19 27 1,149.07 155.94 1,305.01 40,436.13 28 1,153.38 151.64 1,305.01 39,282.75 29 1,157.70 147.31 1,305.01 38,125.05 30 1,162.04 142.97 1,305.01 36,963.01 31 1,166.40 138.61 1,305.01 35,796.61 32 1,170.77 134.24 1,305.01 34,625.83 33 1,175.16 129.85 1,305.01 33,450.67 34 1,179.57 125.44 1,305.01 32,271.10 35 1,183.99 121.02 1,305.01 31,087.10 36 1,188.43 116.58 1,305.01 29,898.67 37 1,192.89 112.12 1,305.01 28,705.78 38 1,197.36 107.65 1,305.01 27,508.41 39 1,201.85 103.16 1,305.01 26,306.56 40 1,206.36 98.65 1,305.01 25,100.20 41 1,210.89 94.13 1,305.01 23,889.31 42 1,215.43 89.58 1,305.01 22,673.89 43 1,219.98 85.03 1,305.01 21,453.90 44 1,224.56 80.45 1,305.01 20,229.34 45 1,229.15 75.86 1,305.01 19,000.19 46 1,233.76 71.25 1,305.01 17,766.43 47 1,238.39 66.62 1,305.01 16,528.04 48 1,243.03 61.98 1,305.01 15,285.01 49 1,247.69 57.32 1,305.01 14,037.32 50 1,252.37 52.64 1,305.01 12,784.95 51 1,257.07 47.94 1,305.01 11,527.88 52 1,261.78 43.23 1,305.01 10,266.10 53 1,266.51 38.50 1,305.01 8,999.59 54 1,271.26 33.75 1,305.01 7,728.32 55 1,276.03 28.98 1,305.01 6,452.29 56 1,280.82 24.20 1,305.01 5,171.48 57 1,285.62 19.39 1,305.01 3,885.86 58 1,290.44 14.57 1,305.01 2,595.42 59 1,295.28 9.73 1,305.01 1,300.14 60 1,300.14 4.88 1,305.01 0.00 合计 70,000.00 8,300.68 78,300.68 这个发给你可以参考一下，可能和你贷款当时的利率有差别，但是银行的算法就是如此，你可以大概看看，当然你要确定还款方式：等额本息 收起