It depends on which repayment method you choose, which is equal principal and interest (the same monthly payment) or average capital (the monthly payment decreases month by month, mainly paying interest first). According to your situation, I think it must be equal principal and interest. Of course, the longer you borrow it, the lower your monthly payment will be. In the case of repaying the loan in advance at the same time, the less interest you pay back to the bank. Therefore, in the case that you will repay the loan in advance in a short time, the longer the loan, the better. ! ! If you decide to prepay before starting the loan, it is recommended to plan the prepayment time first, and the repayment method of equal principal and interest: in the first few years of 20 years, 70% of the loan is interest (for example, the monthly payment is 65,438+0,000 yuan, including 700 yuan interest and 300 yuan principal), and in the fifth to sixth years, the interest and principal can basically reach 50% respectively. For example, there is no need to wait five years after a 20-year loan. If prepayment within two years is considered, the longer the suggested period, the better. The reason is that the loan principal remains unchanged and the loan interest rate remains unchanged for more than five years. If the loan time is long, the monthly payment is relatively small, and the total repayment amount is relatively small. The interest paid within 2 years is relatively small.

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