First calculate the first question. According to your loan method, you need to repay 2590.96 yuan every month. The monthly repayment principal in the first three months is 1653.46 yuan, 1659.66 yuan, 1665.88 yuan, and the monthly repayment interest is 937.50 yuan, 9365438+.
Secondly, as far as I know, the amount of prepayment is more than 50,000 yuan, which means that you can offset it at one time instead of 6,000 yuan, but you can deduct 2,590.96 yuan every month, and you won't pay back the money for several months, which means that you can actually pay back 1.590.96 yuan every month, and another 1.000 yuan can be used for housing. Of course, since it cannot be offset at one time, there is no problem of recalculating the principal and interest. Look up the formula by yourself and directly search for "equal principal and interest".
If I were you, what would I do? I will borrow a loan for 30 years and repay it with average capital, because I will pay more interest, but if I spend more time, I can earn more money. If I take 30 years, your monthly repayment is only 227.7438+0 yuan (and 1000 yuan provident fund). Why does it take longer? Your loan interest rate is 4.5%. At present, the interest rate of wealth management products of banks is 5~6%. Do you think you can make money? There is also the current online loan market, investment trusts and credit assets of large companies (a good platform and good projects are the key, not just chasing high returns), and the return on purchase is generally around 10%. This risk is relatively low, and the company will not close down for no reason. Is this making money? In other words, as long as the interest rate does not exceed 7%, the longer the repayment, the better.