Best way for consistent extra monthly payments when returning loan

Best way for consistent extra monthly payments when returning loan I plan on making extra payments when I take a loan in close future. I know that there are 2 options when doing extra payments and that usually second one will result in paying less money over time. But I am not sure if it is the case for every scenario, especially for my scenario, so I am interested if anyone has done the math. To be clear, 2 op...

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