Whereas, at the beginning, the mortgage balance is dropping only very slowly because you've got a lot of interest to pay and your mortgage payment is constant.

而在贷款初期,贷款余款减少的则非常缓慢,这是因为还款额是固定的,同时你还要偿付大量的利息

耶鲁公开课 - 金融市场课程节选

It's much better to pay a fixed payment and then you're done.

最好就是支付了规定的数额就好

耶鲁公开课 - 金融市场课程节选