Paying off the property loan soon seems right, but mathematics may show otherwise; understand

Amortize or invest? The decision that divides economists
When receiving an extra amount, many people are left in doubt: should they use the money to pay off their home loan or invest it? The answer involves the opportunity cost - that is, discovering which of the paths brings the greatest financial gain.
This includes the interest on financing, the return on investment and also taxes, inflation and the risks involved. When the net income from the investment is above the cost of the debt, investing tends to pay off more.
According to experts, amortizing is usually the best option when interest rates are high or the budget is tight. Investing, on the other hand, makes more sense for those who have already set up an emergency fund, have low interest rates to pay and get a return greater than the cost of financing.
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Source: G1