you can pay off if you do not think there is other investment opportunity.  make sure there is no pre-pay off penalty.

if you need money in the future, you can always borrow again the equity.

就算 debt off 了，俺估计也 rich 不了.就是觉得付那么多利息太不划算

I hold different view: cash is the king in all the time. Unless you have many, I would live with these debt ---- as long as their rate is reasonable.

Think in this way:

1) save the money in bank now has about 4.5% rate.

2) if the debt is 6.5% for example, so we only borrow at 6.5-4.5 = 2%.

3) think of the inflation rate.

so why not delay the debt? not to mention everyone needs some emergency cash at hand.

Any comments?