300 thousand, I advise you to borrow it and pay it off in a few years. Don't borrow it.

2. Which year is the most cost-effective to pay off the house loan in 30 years?

If you want to pay off your mortgage in one lump sum, here are some suggestions for you:

1. The loan term is 30 years. If the average capital is chosen as the repayment method, because this repayment method belongs to early repayment of principal, the principal to be repaid also decreases with the increase of time. Therefore, under this repayment method, it is recommended that you do not exceed the average loan life, that is, 15 years. It will be more cost-effective to repay in advance. If this time limit is exceeded, it will be unnecessary.

2. After 30 years of loan, if you choose the repayment method of equal principal and interest, because the repayment amount is the same every month, in this case, it is recommended that you pay off the mortgage in one lump sum after 15-20 years. If your current repayment time has exceeded 20 years, the remaining amount is actually paid off slowly, and there is no need to repay the mortgage in advance.

What is the most cost-effective year to pay off the mortgage in 3.30 years?

If you want to pay off your mortgage in one lump sum, here are some suggestions for you:

1. The loan term is 30 years. If the average capital is chosen as the repayment method, because this repayment method belongs to early repayment of principal, the principal to be repaid also decreases with the increase of time. Therefore, under this repayment method, it is recommended that you do not exceed the average loan life, that is, 15 years. It will be more cost-effective to repay in advance. If this time limit is exceeded, it will be unnecessary.

2. After 30 years of loan, if you choose the repayment method of equal principal and interest, because the repayment amount is the same every month, in this case, it is recommended that you pay off the mortgage in one lump sum after 15-20 years. If your current repayment time has exceeded 20 years, the remaining amount is actually paid off slowly, and there is no need to repay the mortgage in advance.

Which year is the best for a 40-year mortgage?

If the loan is repaid with equal principal and interest in 30 years, 15 to 20 years is the most appropriate; If it is the repayment method in the average capital, it is most appropriate to pay it off within fifteen years. 1. What are the skills of matching principal and interest repayment? The sum of the monthly loan principal and interest repaid by the equal principal and interest repayment method is fixed, and the monthly repayment pressure is balanced. However, the principal and interest repaid every month are changing. In the early stage of loan repayment, more interest is paid and less principal is paid, and in the later stage, more principal is paid and less interest is paid. Pay attention to the choice of equal principal and interest repayment. If the loan is repaid in advance, the one-time repayment amount is the remaining principal and outstanding interest on the day when the loan is repaid. The amount of interest saved by early repayment is related to the time to pay off the loan in advance. The sooner you repay the loan in advance, the more interest you will save. _ 2. What is the calculation formula of equal principal and interest repayment? The most important feature of the equal principal and interest method is that the monthly repayment amount is the same. In essence, the proportion of principal increases month by month, the proportion of interest decreases month by month, and the monthly repayment amount remains unchanged. That is, in the "principal and interest" distribution ratio of monthly payment, the proportion of interest repaid in the first half is large, while the proportion of principal is small. After the repayment period is over half, it gradually turns into the proportion of principal and interest is large, but the proportion of interest is small. The calculation formula is: monthly repayment amount = [principal x monthly interest rate x( 1 interest rate) loan months ]/[( 1 interest rate) repayment months-1], monthly interest = remaining principal x monthly interest rate repayment total interest = loan amount loan monthly interest rate (1 interest rate) loan month. Total repayment amount = repayment months, loan amount, monthly interest rate (65438+ 10 interest rate), loan months /(65438+ 10 interest rate), repayment months-1 Note: In the equal principal and interest method, banks generally charge interest on the remaining principal first, and then charge it. Third, what are the precautions for applying for a mortgage? 1. Define the repayment method: At present, the repayment methods of bank housing loans are mainly equal principal and interest and average capital. Everyone should choose a more suitable repayment method according to their actual situation to reduce the pressure of life. Although the average capital interest is low, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation. 2. You can apply for deferred repayment: after applying for a loan from the bank, the bank will credit the loan into the account, and then the buyers can start to repay the loan on a monthly basis. Generally speaking, buyers only need to repay the loan on time every month. However, if the loan cannot be repaid on time due to difficulties, the buyer can apply to the bank for changing the loan term, and the loan bank can extend it if it agrees. 3. Define the time of loan: After the bank approves the loan, it will not immediately transfer the money to the buyer's account. It takes time for banks to review the lender's information and loan amount. Buyers who are eager to buy a house should ask the bank clearly, and there is a situation in which the bank is short of funds and waits for a year to lend money.