Originally Posted by
apple3
Generally, the loan is on monthly or daily rest and thus the amortisation could not be comparable to car loan where outstanding loan matching parf/market value is the typically known as breakeven point.
Even if fix rate is apply, float rate will kick off within the lock down and subsequently, refinance kick off a whole sum again together will new loan period. And private property play in a free market where everything is possible.
Or unless you are referring the breakeven as the period where payment is 50% interest / 50% principal which I will suggest don't bother. You will surpass the lock down by a great margin then.