Another influencing factor is whether the repayment method is average capital or equal principal and interest ~

It is known that your interest rate is 4.5%.

Then let's analyze the difference between average capital and equal principal and interest ~

Repayment method: equal principal and interest

Loan type: provident fund loan

Calculation method of mortgage loan

Total loan: 280,000 yuan

Loan and mortgage period: 10 120 installment.

Provident fund loan interest rate: 4.5%

Total investment: 280,000 yuan

Total repayment: 348,225.05 yuan.

Interest payment: 68,225.05 yuan.

Number of loan months: 120 months

Average monthly repayment: 29,065,438+0.88 yuan.

Repayment method: average capital

Loan type: provident fund loan

Calculation method of mortgage loan

Total loan: 280,000 yuan

Loan and mortgage period: 10 120 installment.

Provident fund loan interest rate: 4.5%

Total investment: 280,000 yuan

Total repayment: 343,525 yuan

Interest payment: 63,525 yuan

Number of loan months: 120 months

Monthly repayment details:

1 month, 3383.33 yuan.

In February, 3374.58 yuan.

March 3,365.83 yuan (RMB)

April 3357.08 Yuan (RMB)

May 3348.33 yuan

June 3339.58 yuan (RMB)

In July, 3330.83 yuan.

August 3322.08 Yuan (RMB)

September 33 13.33 (yuan)

10 month, 3304.58 yuan.

1 1 month, 3295.83 yuan.

65438+February, 3287.08 (Yuan)

65438+March, 3278.33 (yuan)

65438+April 3269.58 (yuan)

65438+May, 3260.83 (Yuan)

65438+June, 3252.08 (Yuan)

65438+July 3243.33 (Yuan)

65438+August, 3234.58 (Yuan)

65438+September, 3225.83 yuan.

1October 32 17.08 (yuan)

265438+1October 3208.33 (yuan)

1Feb. 3 199.58 (yuan)

March 3 190.83 (yuan)

April 3 182.08 (RMB)

May 3 173.33 (yuan)

June 3 164.58 (yuan)

July 3 155.83 yuan.

August 3 147.08 (RMB)

September 3 138.33 yuan.

March 3 129.58 (yuan)

365438+ 10 month, 3 120.83 (yuan)

March 3 1 12.08 (yuan)

March 3 103.33 (yuan)

March 3094.58 Yuan (RMB)

In May, 3085.83 yuan (RMB)

36 months, 3077.08 yuan.

37 months, 3068.33 yuan.

38 months, 3059.58 yuan

39 months, 3050.83 yuan.

April 3042.08 Yuan (RMB)

465438+1October 3033.33 (yuan)

April 3024.58 yuan

April 30 15.83 yuan

April 3007.08 Yuan (RMB)

April 2998.33 yuan

April 2989.58 yuan

April 2980.83 yuan

April 2972.08 yuan

April 2963.33 yuan

May 2954.58 yuan

565438+1October 2945.83 (yuan)

May 2937.08 yuan

May 2928.33 yuan

May 29 19.58 (yuan)

May 29 10.83 (yuan)

May 2902.08 yuan

May 2893.33 yuan

In May, 2884.58 yuan

May 2875.83 yuan

June 2867.08 yuan

665438+ 10 month, 2858.33 yuan.

In June, 2849.58 yuan.

In June, 2840.83 yuan.

June 2832.08 yuan

June 2823.33 yuan

June 28 14.58 (yuan)

In June, 2805.83 yuan.

June 2797.08 yuan

June 2788.33 yuan

In July, 2779.58 yuan.

7 1 month, 2770.83 yuan.

In July, 2762.08 yuan

In July, 2753.33 yuan.

In July, 2744.58 yuan.

In July, 2735.83 yuan.

July 2727.08 yuan

July 27 18.33 (yuan)

In July, 2709.58 yuan.

In July, 2700.83 yuan.

August 2692.08 Yuan (RMB)

865438+ 10 month, 2683.33 yuan.

In August, 2674.58 yuan

In August, 2665.83 yuan.

August 2657.08 yuan

August 2648.33 yuan

In August, 2639.58 yuan

In August, 2630.83 yuan.

August 2622.08 yuan

August 26 13.33 (yuan)

In September, 2604.58 yuan.

9 1 month, 2595.83 yuan.

In September, 2587.08 yuan

In March, 2578.33 yuan

In April, 2569.58 yuan.

In May, 2560.83 yuan.

In June, 2552.08 yuan (RMB)

July, 2543.33 (yuan)

In August, 2534.58 yuan.

In September, 2525.83 yuan.

100 month, 25 17.08 (yuan)

10 1 month, 2508.33 yuan.

108 February 2499.58 (yuan)

65438+March, 2490.83 yuan.

108 apr. 2482.08 (yuan)

65438+May, 2473.33 (yuan)

65438+June, 2464.58 (Yuan)

65438+July, 2455.83 yuan.

108 August 2447.08 (yuan)

65438+September, 2438.33 yuan.

1 10 month, 2429.58 yuan.

1 1 1 month, 2420.83 yuan.

165438+February 24 12.08 (yuan)

165438+March 2403.33 (yuan)

165438+April 2394.58 (yuan)

165438+May 2385.83 (yuan)

165438+June 2377.08 (yuan)

165438+July 2368.33 (yuan)

165438+August, 2359.58 yuan

165438+September, 2350.83 yuan.

120, 2342.08 yuan.

Through the above calculation, we can see that the average capital can pay about 5000 yuan less interest than the equivalent principal and interest ~

The average monthly repayment of capital is decreasing, which is 3383.33 yuan in the first month and 2342.08 yuan in the 60th month ~

The repayment amount of each installment matches the same principal and interest, and the monthly fixed amount is 290 1.88 yuan ~

Relatively speaking, the repayment method has little effect on your repayment amount ~

You can also choose average capital or equal principal and interest ~

If we simply look at macro factors such as rising prices, rising wages and price levels, there is basically no comparability. When prices rise, wages and prices will also rise, but we think that buying real estate in a certain period of time will also rise ~

Personally, real estate is still one of the better choices to fight against rising prices and inflation, especially in newly developed towns and second-and third-tier cities ~

As for the relationship between the three, I personally think that real estate is greatly influenced by personal investment vision and policy areas in some cases, but in the long run, the price level will exceed the wage level, that is, 1 0,000 years ago, you could buy a house with a salary of 65,438 yuan 1 0,000 square meters, but now you may not be able to buy a house with a monthly salary of 5,000 yuan. Now the value of individual labor has depreciated.

Similar to your personal situation, it is recommended that you choose 10~20 years to repay the 280,000 provident fund loan, which is more suitable for you (on the premise that the interest rate is not greatly increased) ~

If the interest rate rises rapidly in the next five years and individuals have enough cash, they can still choose to repay in advance without penalty interest ~

Above, please refer to those who know, please ask again if you have any questions ~