Hello, which way to choose annual mortgage or monthly mortgage depends on everyone's cash flow and repayment plan (whether to repay the loan in advance, etc.). ). Choosing a monthly payment does not prevent early repayment. Property buyers can accumulate the cash saved every month to offset the principal by the end of the year, and can give priority to repaying the principal of commercial loans; If you choose to repay by year, the cash flow pressure at the initial stage of repayment may be even greater. But one year later, with the one-time offset of the loan principal, the monthly payment burden will be greatly reduced. However, the repayment of provident fund loans should be considered after the year rush, and the relatively low interest rate of provident fund loans will no longer be enjoyed, while the monthly rush is more conducive to accumulating cash to repay commercial loans in advance.

Using one-time repayment method, customers can only withdraw housing provident fund once a year to repay the loan. With the monthly repayment method, customers can withdraw the housing provident fund every month to repay the principal and interest of the housing loan in the current month. When the amount of housing provident fund withdrawn is insufficient, the borrower should make up the repayment amount in time, withdraw the housing provident fund and return the commercial housing loan.

At present, a family can only choose one repayment method for a house, and the repayment method of the participants is the same as that of the main lender, so it is impossible to choose annual repayment and monthly repayment at the same time.

Hope to adopt, thank you!