It depends on whether there is a mortgage or a credit loan. If there is a mortgage loan, the interest will be repaid first every month according to the cycle, and then the principal will be repaid at maturity. The annual interest rate of this loan is about 4.6-5.8.

Credit loans are repaid with principal and interest. The interest seems very low, but it is actually very high, because you have already paid off part of the principal, but the interest is still the interest of your loan of 200,000 yuan. So when you take out a loan, you should know the interest you have to pay.

But if you borrow 200,000 yuan, invest it and make a profit of 30% to 40% every month, there is no need to pay more or less interest.