1. From the perspective of mortgage interest,

For example, if the mortgage is 2, yuan for 2 years, the annual interest rate is 4.9%, and the principal and interest are repaid in equal amount, the interest would have been 114, yuan.

If the loan is repaid normally for one year, the interest has been paid 9, yuan, and the principal has been repaid 6, yuan. If the loan is repaid in advance,

the interest can be saved = 114,-

2. From the inflation point of view,

2 years ago, a bowl of beef powder was only one yuan, but now a bowl of beef powder is at least 1 yuan.

In 2 years, the price has risen 1 times, and the money has become less valuable. Who knows what this 1 yuan money will buy in 2 years?

So, although the monthly mortgage payment is now 1,3 yuan, it seems very expensive, but as time goes by. If you repay the mortgage in advance at this time, you will inevitably feel a little lost in your heart.

3. From the pressure of life,

If you can't realize the freedom of money, even if you have the capital now, you can repay the mortgage in advance, but after you finish it, you will inevitably be a little nervous, your quality of life will be limited, and you can't have unexpected changes. In this way, it may be a loss to repay the mortgage in advance.

4. From the perspective of loan interest rate,

The quoted market interest rate, namely LPR, is in a continuous downward trend. If the mortgage interest rate chooses LPR floating interest rate, the interest will also be reduced appropriately. If the mortgage is repaid in advance, it is equivalent to giving up the low interest rate and not taking advantage of it, which may be a loss.

But as the saying goes, losing money is also a blessing. Who knows whether the interest rate will rise again in the future? After all, it is market regulation, which has changed a lot. If you pay off in advance, you can still save a lot of interest, and you will feel more relaxed when you are not in debt.

Therefore, whether to make a profit or lose by repaying the mortgage in advance depends on your own needs and the economic situation.