The above algorithm is calculated according to the latest interest rate table, and the interest rate is not favorable.
I think from my practical experience, I also borrowed 300 thousand for 20 years. You can work out the total interest. As time goes on, the total interest will increase sharply. In other words, the principal of your loan is equivalent to what the bank gives you, and the interest is your return to the bank. The 30-year term is more than 200,000 yuan more than the total interest of 15. It seems that the monthly payment is easy, but most of your salary has been paid with interest. If you borrow money from the bank, as long as there is no interest, or the interest is low, then you earn. Because you used the money first Moreover, wage income will definitely increase in the future, and there will be many cases of early repayment. You should know that prepayment is to repay the principal, not the interest. Are you willing to borrow for 30 years, pay most of the interest in the first ten years, and then repay in advance, and find that the principal is still so much? In the early stage of matching principal and interest, most of them pay interest. Of course you don't, do you?
First of all, your income, 6000 yuan, should be able to afford 15. After all, it's not half. You can have a look. Compared with 15, the monthly income of 20 years is at least less than 400 yuan, which should be less than your cigarette money. Personally, I think it's better for young people to be nervous, which is convenient for their later life. If young people don't work hard, it's not very exciting to live, so I suggest 15.