Property Investment Advice: Continue monthly amortization or loan full amount?

Please help me weigh this decision out...

• I have a property investment (Alveo lot property) and I am currently paying 61K/monthly*** by alloting from my salary
• I will need to pay this until January 2026 and by Feb 2026, I will need to pay the balance 4.5M. Which I am planning to take a loan from the bank and target bringing down the monthly payment to 35-40K/month.

Question:

• Is it a smart decision to get a loan from a bank now to pay the entire amount -- the remaining 854K in monthly payments + 4.5M, total loan of 5.3M -- so that by now I can already bring down the monthly payment?
• Or should I stick with paying the 61K monthly so that by 2026 I will only loan the 4.5M?

Factors I'm considering:

• I bought this property for the purpose of long-term investment and savings.
• I am still single, living with my parents, no immediate plans for family
• While I am able to live comfortably and still travel with the 61K/month that I am paying, I also feel that if I can lower the monthly payment now, I can spend it on other things to enjoy my present life more (late 20s) and maybe put these in more short term investments and savings. Typical dilemma of saving for the future while also being able to enjoy the present

Would love to know others' opinions... this is my first real estate investment and not that familiar with all the many factors to consider...