Housing loan repayment: I want to buy a school district house immediately. Apart from the down payment, I need a loan of 1, 0 1, 000, and the provident fund can lend 700,000 yuan, leaving 3 1 for commercial loans. Different banks can consult separately. In addition, let's see what the penalty for prepayment is, and it is best not to exceed the prepayment interest of 1 month. It's about 5500 interest/month for you.

See if there is a 1 year loan, and it is best to repay the principal and interest in one lump sum. There is no need to pay monthly payment in the early stage.

Or choose short-term loans according to repayment ability (ordinary cash flow), but the actual difference is not big. The key is whether there are any restrictions on early repayment and less liquidated damages.