1, just need to live.
Buying a house for self-occupation and not planning to sell a house or replace a new house for a long time belongs to consumption. Within their ability, the shorter the loan period, the better. We generally recommend the repayment period of the house occupied by ourselves. Buyers choose 15-20 as the repayment period, and the total interest paid is reasonable, which will not have a great impact on their normal living standards.
2. Just take care of both.
If you buy a house and take care of it yourself, you will probably replace or sell the new house in the medium and long term. This is a long term, and the longer the better. If there are other channels, you can get higher interest rates than housing loans, and the longer the loan period, the better; But you are just an ordinary office worker and don't have many financial channels. You just want to buy a house as collateral. In order to save interest, it is suggested that the loan term should be as short as possible.
3. Sex buyers
Buy a house, but plan to hold it for a while. Now, it depends on how much income you think you can get from it. If you think that the real estate market will continue to bull market, house prices will continue to soar, and you can get high income. The longer the loan term, the better. If you think that the real estate era is over, the future growth will enter a low speed, and the shorter the loan period, the better.