decided not to settle home loan

I discuss with my husband regarding our home loan yesterday. I decided not to settle the home loan now but let it goes on for another few years. In fact, we already make full payment and have some excess balance in the account as well. We could request to close the home loan account but I do not want to. I am worry Tax department will come to us if we closed the home loan too soon.

Anyway, it is ok to let the home loan account assist. They would not charge us interest anymore because no more outstanding amount there already. Just we still have to pay the home insurance premium which bank directly buy for us.