Very cost-effective. Judging from the interest paid every year, the interest paid for the provident fund (the current loan interest rate is more than 5 years and 4.9%) loan is 400,000 yuan for 30 years, and the interest paid for 1 year is 19466.25. Interest will increase every year, and the principal will also increase.

The interest rate of your 400,000 five-year deposit is currently 5.5%, and the average interest rate for the next year is 22,000.

After the two spreads of 22000- 19466.25=2533.75, with the decrease of mortgage interest, the spread will increase a little but not too much.

Isn't your provident fund used to pay off the mortgage? Can you use it like this? )

The longer the time deposit, the higher the interest rate! Five years at most now.