Many people don't know how to buy a house or mortgage is reasonable. At this time, it is reasonable to listen to the advice of some professionals and let them help you plan your loan, so that your monthly pressure is not so great. When buying a house, if you are well-off or well-off in the later period, you can completely increase the down payment; Or if you have abundant funds, full payment is naturally the best choice. After all, the loan money is calculated according to the monthly interest, which is easy to be repaid in advance, so the full amount is the most economical. But we still have to look at our own specific situation and don't put too much pressure on ourselves.
Moreover, the longer the loan term, the higher the interest, but you can't just look at interest when buying a house. You must take a long-term view and consider the issue of inflation. Therefore, extending the repayment period makes your life less stressful, and if you have a provident fund, you must choose a provident fund loan, because the interest rate of a provident fund loan is lower than that of a commercial loan.
Therefore, housing loans must be combined with their actual economic situation. Don't fill large pieces. If the funds are relatively sufficient, you will pay a little more down payment. But be sure to reserve the expenses of your future life to avoid the situation of poor life in the future. Besides, we must work hard to repay the mortgage.