The house I bought, with a provident fund loan of 300,000 yuan, has been paid off for two years. Now I have 65,438+million in my hand. I don't know which is better, buying wealth management products or repaying loans in advance. Your loan interest is very low, so it is not recommended to repay in advance. 10000 yuan interest, if you earn 6 years with 10000 yuan, you can earn it casually.

The solution to your second question is actually not a troublesome problem. There are n ways to solve it:

1. I have a good friend and everyone gives him money. Just ask him to transfer you.

2. Now that there are so many wealth management artifacts such as Bao, you can open one that can not only save your money for wealth management, but also repay the mortgage (Yu 'ebao, Lifelong Treasure, xx Treasure, and there is no handling fee for mortgage repayment. This can not only maximize the income from financial management, but also solve your loan repayment problem.

3. Next, many banks will open financial tools similar to xx Bao, and then you can open bank financial tools for your mortgage repayment.

Also, you can invest a part of your 65438+ (for example, 50% in other funds), and the income will be higher. It will definitely be better than repaying the loan in advance.