The longer the mortgage term, the better. If you find a high-yield investment channel, the longer the loan period, the better.

2, down payment, if you have money, pay as much as possible.

If you have money, you should pay as much down payment as possible. Ordinary people should be able to borrow a lot of money from the bank, and the interest rate will be discounted, that is, mortgage. We should make good use of this opportunity. In the long run, the currency will always depreciate, and now it is still more than 10000 per month, which may be a huge sum, but after 20 or 30 years, it will still be more than 10000 per month, which may be considered as a piece of cake.

3, owing on the loan, according to the way and timing.

In order to reduce the pressure of future expenditure, many mortgage borrowers choose to repay their loans in advance. In fact, it is not cost-effective to repay the loan in advance in some cases. In commercial mortgage, there are two ways: average capital repayment method and matching principal and interest repayment method. For example, if the repayment period of matching principal has passed 1/3 and the repayment of matching principal and interest has reached the middle stage, there is no need to repay in advance. Because the average capital divides the total loan amount by half the cost, the repayment interest is calculated according to the remaining principal.

4, interest, savings also have tricks.

Finally, it is to deposit interest. Tens of millions of mortgage interest is really a lot. It's a trick for you to repay the mortgage with the proceeds from the principal investment. If you can count as a bank, paying less interest is also a skill. If the provident fund interest rate is lower than the mortgage interest rate, the mortgage lender should use the provident fund loan amount first, and then choose commercial loans.