Looking at your repayment ability, it is natural that the shorter the loan time, the less the loan amount, the better; For example, if you borrow 200,000 yuan and pay interest of about 250,000 yuan in 30 years, the total repayment amount will reach 450,000 yuan, and the monthly payment is about 1 10,000, which is still relatively low; If the interest on loan 206,5438+05 is about 65,438+00,000, the total repayment is about 300,000, and the monthly payment is about 65,438+0500, but the interest is still too high. The five-year interest of the loan of 200,000 yuan is about 40,000 yuan, and the total amount is only 240,000 yuan, but the monthly repayment amount will be very high, about 4,000 yuan per month; The specific loan amount and duration depends on your own repayment ability. Under the premise of not affecting your quality of life, try to borrow less in a short time! Regardless of inflation or not, regardless of the depreciation of education and decoration, the less money spent, the stronger the appreciation and preservation ability of the house. After you have repaid the loan for 30 years, the house will still be charged with your interest, and the total price is still very high (if you borrow 200,000 yuan, the total loan price will be 350,000 yuan in 5 years and 550,000 yuan in 30 years). After all, less can be spent, and less can be spent in the bank.