Need specific inquiry, the difference: 1, the monthly repayment is different, the 30-year repayment amount is low, but the total interest expense is high. If it is 65,438+10,000 yuan in five years, the difference is about 1000 yuan, and the specific interest difference can be multiplied by the corresponding amount; 2. The guarantee fee is different. The guarantee fee of 6,543,800 yuan in 20 years is 900 yuan, and it is 654.38+ 0.5 times in 30 years. If you plan to pay off the loan in five years, I personally suggest that the loan be paid off in 30 years. According to the loan amount of 654.38 million yuan, 1000+ guarantee fee of 450 can save interest, totaling 1450 yuan.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.