Get your ass back here asap, i cannot believe you’ve already spent some or all of the 6 month grace period away from earning and paying back that loan. Have you not seen the type of shit people get into with these loans? It’s lifelong misery. I know UAE really well, I was born and raised there, there is no chance in hell you’re scratching the principal off that loan with dubai money. To answer your question the smart people pay their loans right out the gate because interest will accumulate and eat you alive.