The housing accumulation fund adopts the free repayment method, and has a minimum repayment limit, which cannot be lower than this limit, but can be higher than this limit, and the excess part will no longer bear interest.

Your loan of 200,000 yuan is calculated according to the equal monthly interest. Monthly payment 104 1.4 in 25 years and 940 in 30 years.

The minimum monthly payment for 25 years is 960; The minimum monthly payment for 30 years is 920. If the lowest price is paid back every month, there will be a lot of money paid back in the last issue. You can pay it back every month, and you can pay more if you have money.