There is no such thing as a suitable number of years for a loan. The longer you borrow, the higher the interest. Of course, if you are running a business, a 30-year loan is definitely the most cost-effective, because you will always earn more than you need. You pay a lot of bank interest. If you do business or engage in private lending, the interest rate is 3 or 4 cents. For 200,000 yuan, your interest will be at least 6,000 yuan. If you are an office worker, you should pay more down payment if you have money. If you have no money and can afford it, you can repay as much as you can each month. In other words, the shorter the loan period, the better. Bank loans are carefully calculated, and there is no time when you take advantage of it. Again, unless you are doing business