At present, the benchmark loan interest rate is 7.05%, but the actual loan interest rate generally rises by about 10%, so it is around 7.8%. According to this interest rate, the loan interest of 20W, 15 and 20 years is as follows:

Matching principal and interest repayment: 15 interest is 14000, and 20-year interest is195500; The monthly payment for 15 is 1888 yuan, and the monthly payment for 20 years is 1648 yuan.

Matching principal repayment: 15 years interest 1 17700, 20 years interest156700; The monthly supply decreases month by month, and the initial monthly supply is about 2400 and 2 100 respectively.

Judging from the amount of interest, of course, the shorter the loan term, the less interest. And the interest on equal principal repayment will be much less. But considering your monthly income. You can weigh yourself according to your consumption.