I have already debated this sometimes with my brother (he is an economist) and we reached the conclusion that it is not a good an idea to repay the home loan soon, at least here in Portugal.

The home loan is the loan in the lowest interest rate normally (3%/4%) depending on European Central Bank.

If we invest the extra money in other things link ETF or something, we will have a higher interest rate, and we will have to accumulate some money for the future.