In order to pay less mortgage interest, many buyers think that the mortgage must be as little as possible, and the mortgage period must be as short as possible, so as to reduce the burden and reduce expenses! But is this really the case? In this regard, Bian Xiao wants to say that on the surface, this idea is reasonable, but if you think about it carefully, you will find that this is not the case! In Bian Xiao's view, the mortgage must be borrowed more, and the longer the mortgage term, the better. Can you believe it? The following five reasons make you speechless.

I. Inflation

Don't forget the inflation factor when applying for a mortgage loan and choosing the loan term.

What is inflation? Simply put, inflation means that the value of 654.38+million yuan 30 years ago is different from that of 654.38+million yuan now, that is, 654.38+million yuan 30 years ago may be worth 20,000 yuan now after inflation! So which is more valuable? The answer is obvious!

Also, why does everyone say that money is worthless now? In fact, the real reason lies in inflation, that is to say, currency depreciation. So you may feel that the mortgage of 65438+ 10,000 yuan is under great pressure now, but 30 years later you may feel that the mortgage of 65438+ 10,000 yuan is completely insignificant!

Second, cheap financing.

Nowadays, the mortgage interest rate is rising, and the average mortgage interest rate of the first suite in China has already exceeded 5%. But even so, think about it carefully: a house applies for a mortgage of 654.38+0 million, with a loan term of 30 years and a mortgage interest rate of only 5%. What a cheap financing method!

Third, it is conducive to children's education.

There is a very popular online language: pedestrians can't lose on the zebra crossing, men can't lose on the career line, women can't lose on the corner, and children can't lose on the starting line! In order for children to win at the starting line, they need a lot of financial support.

In other words, if you choose to borrow more and borrow for a long time when applying for a mortgage, then you will have more cash to support your children's education. In this way, isn't it more conducive to the cultivation of children? The most important thing is that if you choose to borrow more and borrow more for a long time, it will also reduce a lot of pressure on the economy of the whole family.

Fourth, expand wealth.

In fact, after sorting out, Bian Xiao found that many successful people, such as monopoly and richest man, are now burdened with huge debts. For example, there is a very famous successful person in our country. Although he has a lot of property, his debts are not less than hundreds of billions.

It can be concluded from the above cases that successful people are always brave in debt, but doing so can enlarge your wealth faster. Because of this, you will have more money to do other business or financial projects.

Verbs (short for verb) are better at coping with risks.

In this era of "money is grandpa", if you don't have cash in your hand, you are likely to be looked down upon by others and even feel inferior. Moreover, once a family member is seriously ill, but you empty your family and buy a house, I'm afraid you can't cope with this risk! Therefore, choosing multi-loan and long-term loan to make mortgage is a good choice to reduce pressure!

In fact, generally speaking, the advantage of choosing less loans and short loans for mortgage loans is nothing more than paying less mortgage interest, but if mortgage loans are more than long loans, then there are the above five benefits! So, you can't tell which is better or worse? Of course, how to handle the mortgage specifically needs to be determined according to the actual situation of the buyers themselves, and cannot be generalized. Consult the relevant department where the buyer is located.