The total amortization of the mortgage is produced when the totality of the capital loaned is repaid. Normally, in each instalment, part of the outstanding capital is paid plus the corresponding interest on the capital loaned, which will vary according to the type of mortgage loan contracted. It may happen that a person has money saved and wants to use it to amortize part of their mortgage. This could be done in two ways: either by reducing the monthly instalment or by reducing the term (thus paying off the debt sooner and reducing the total interest on the loan even further).