I suggest that since you have enough ability to pay off in a short time, it shows that your repayment ability is very strong.

Because of this, we should make full use of the negative interest rate of the bank in the early stage and don't rush to repay.

400,000 can consider other investment projects. As long as the return is higher than interest.

If you want to save interest, prepare to repay in advance, and the number of years doesn't matter, as long as you choose the average capital as the loan method.

Choose the average capital. No matter how long your loan term is, the interest is only related to your actual loan time and actual loan amount.

If you really borrow for a year or two, you will only pay the interest for a year or two, plus a little liquidated damages.

Second, I want to buy a house. How can I get the most cost-effective loan?

To say cost-effective, it is easy to live in a good home. If you don't need it every month, you can worry about repayment next month.

Third, how do ordinary people borrow money to buy a house?

First, the preparatory work before the loan

Before the loan, share the purchase process with you.

When you decide to buy a house. The first step is to sign a letter of intent to buy a house and pay a down payment. The down payment amount ranges from 65,438+0,000 to 65,438+0,000, depending on the actual situation of the building. Pay attention to the deposit, and ask the property consultant whether the deposit can be refunded if the bank loan is not enough. Generally, the deposit will not be refunded for real estate, but generally speaking, the property with good sales volume and no worries about selling can be refunded. Because it is from the perspective of just need, I carefully asked how to refund the deposit when I bought it myself. If you just need to buy a house like me, you must also ask this link clearly. After all, our money is hard-won.

After paying the house purchase deposit and signing the letter of intent. The property consultant will recommend you to develop cooperative bank loans. Generally speaking, it is easier to choose cooperative banks recommended by developers to lend money through bank approval. Of course, if you are a high-quality customer of the bank, and you are particularly confident that you can get a loan from the bank, you can also choose your own bank. Generally speaking, the auditing standards of the four major state-owned banks will be stricter than those of ordinary commercial banks. At that time, my property consultant recommended a general commercial bank to me, saying that the next payment was quick and the requirements were relatively low.

When you decide which bank to choose, you can prepare the materials for the bank interview. The property consultant will also give you a list of materials. Because I am single, what I want to share here is what materials I need to prepare for being single. There may be different materials in different regions, but usually there are only the following:

1. Original ID card (mainly to verify that it is you)

2, the original account (mainly depends on the situation of your family members)

3 proof of wage income (mainly refers to whether there is a stable job and whether there is the ability to repay the mortgage, which is issued by the work unit)

4, half a year's bank flow (bank flow needs to reach 65438+ monthly supply of more than 0.2 times)

5. Proof of the first suite (I have the corresponding APP download here, you can ask the off-site property consultant).

6. Credit report (there are designated bank outlets to print, and the credit report mainly records your debt and credit)

After preparing the above materials, singles can go to the loan center service department of the bank (address consulting property consultant). Some property consultants will appoint corresponding bank account managers for you, and we can also invite loan account managers ourselves. If you don't appoint an account manager, we can also go to the credit service department, and the bank will assign you a corresponding manager at random.

Pay attention to me. I'm writing about buying a house. I hope I can help you.

4. What kind of loan is the most cost-effective way to buy a house by loan?

The use of provident fund loans is the most cost-effective, because the interest rate of provident fund loans is low, and there will be corresponding deductions every year. It is particularly cost-effective to pay the least interest after buying a house.