I believe many property buyers are like this. It's ok to buy a house with a loan, but the repayment must be quick, because for these people, mortgage is pressure in their eyes, and interest is an extra expense outside the house price. So they said that in order to pay off the mortgage as soon as possible, they would spare no expense. Such a concept of buying a house by loan can be said to be unreasonable and uneconomical.
If you want a good loan, you must make full use of it. The low interest rate and long-term nature of mortgage loans enable us to maximize the role of capital. For people with repayment ability, mortgage is even equivalent to their own financing, which is really attractive.
Generally speaking, you don't need to struggle for twenty or thirty years to get a loan, because if you repay in advance, the interest difference between the two methods is very small. However, the monthly payment of these two methods is very different. What do you want more, a stable and lasting life in front of you or a tight life before relaxing? And with the continuous growth of our income, everyone's life will be easier and easier in the future, so we should leave more space for ourselves now.
When buying a house, you must make maximum use of the house loan. If you don't consider changing houses and selling houses, you can borrow for 30 years. As long as we don't buy a house by force, the pressure that the final loan can bring us is actually very small.
Therefore, borrowing a mortgage is the most cost-effective, that is, making full use of bank loans is the most cost-effective. Of course, leverage cannot be forced to make full use of loans. It is only feasible within our own loose ability.
Related questions and answers: How to buy a house with a loan is the most cost-effective.
Method/step 1
Loans are divided into four categories: provident fund, provident fund+commercial loans, commercial loans and others.
2
The best loan for provident fund is only 3.25, and the provident fund needs to be paid continuously 1 year.
three
Followed by portfolio loans, which need to be paid continuously 1 year.
four
If the provident fund is not paid continuously 1 year, then choose a commercial loan.
five
Repayment methods are divided into principal and principal and interest. If the average capital prepayment is not considered, the repayment interest will be less.
six
If prepayment is considered, choose equal principal and interest.