I like how they gave this reveal to the ultrapolite Japanese people because they knew they were the only people on the planet that wouldn ' t rip it . <| sep |> You forgot your s <| sep |> Your username is so god damn relevant <| sep |> I will not drink today . I will listen to awesome music instead <| sep |> Depending on the loan servicer , you can usually designate extra payments as extra principal payments in which case they decrease the balance directly but you ' re still required to pay the minimum the next month OR as future payments in which case they can apply to future obligation , but that includes future interest , NEVER both . As an added complication , mortgage servicers tend not to accept payments intended to cover your minimum obligation in any value less than your entire payment at once , and some won ' t accept payment in advance at all . Edit This is generic US advice , sorry , I didn ' t catch that you ' re from Spain .