If you buy a house through a housing provident fund loan. So obviously, the loan interest rate of provident fund is relatively low, and the loan interest rate for more than five years is only 3.25%. According to the longest repayment period of the provident fund, it is most beneficial to yourself, because the currency is actually depreciating every year with the pressure of inflation, so this purchasing power in a few years is not an equivalent relationship with today's purchasing power, so the longer your repayment period, the better for you.

Moreover, if your repayment period is long, the repayment amount per installment is relatively low. Because your repayment period is longer, the affordable cost of each level is lower. For example, a repayment of 10 may cost 4,000 yuan or 5,000 yuan per month, while a repayment of 1000 yuan or less once every 30 years can effectively reduce the personal financial burden.

If you repay through the provident fund, even if you have money, you can consider not mentioning it, because after all, the interest rate is relatively low. Therefore, if you use this money for general investment and financial management, the income and return will be relatively higher than the loan interest rate of the housing provident fund, and the return and income will be relatively much larger, which is a kind of income and advantage for yourself.

But if your own housing provident fund loan is not that big, then you can choose a portfolio loan to solve this problem and get a more favorable interest rate. Therefore, some things depend on people's efforts, so we must choose the most economical and effective way to repay, and we must not let ourselves have greater pressure in the process of repayment, which is not worth the candle.