At the initial stage of the loan, if the pressure to repay the debt is great, it is recommended to choose the monthly rush method; Generally speaking, the pressure can be selected within one year, which can save interest.

If you have a plan to have children in the past year, it is recommended to pay back the mortgage on a monthly basis, so that you don't have to pay extra before the balance of the provident fund runs out. After a year, you will have some liquidity in your hand. Even if you have children, you won't be afraid. However, if there is no similar pressure, you can choose to repay the mortgage on an annual basis. After the annual mortgage, the principal of the loan will be reduced, and the corresponding monthly repayment amount will also be reduced. At the same time, if you shorten your repayment period, you can achieve the purpose of further saving interest.

Note that the use of "annual mortgage repayment" needs to meet some conditions: first, the housing loan must be used to offset the principal after one year; Second, under normal circumstances, the amount of offset principal is not less than 6 months' repayment.