It is definitely not cost-effective. You call this an ordinary mortgage. Now the benchmark loan interest rate is 6% a year. You know what benchmark means, at least 5.4%. Over the past year, our local loans have generally increased by 20%-200%. Does the annual income of your wealth management products exceed 6%?

If not, you might as well take it out. Time deposit, partial withdrawal is ok. Only mention 2w. Others are time deposits.