Repay the mortgage early or keep money in the account?

This decision depends on rate comparison. Early repayment is advantageous if the interest you save (loan cost) is higher than the net return you earn (after taxes) by investing that money. By repaying early, you reduce outstanding principal, lowering monthly interest burden and potentially shortening the loan term. Before deciding, consider three factors: i) Emergency fund: never use money you may need for unexpected events; ii) Repayment costs: check whether the repayment fee (0.5% or 2%) offsets immediate savings; iii) Insurance: reducing debt may also reduce insured capital in Life and Multi-risk policies, creating additional monthly savings.