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The housing provident fund loan is partially repaid in advance, and the average annual balance after deducting all family expenses (including repayment) is 50,000 yuan. How to do it cost-effectively?
1, housing provident fund loans shall not be repaid in advance.

2.3.25% is a loan with very low interest rate.

If you have extra money to buy bank financing, the interest will far exceed the loan interest.

4. Calculated by 10 year, it is 350,000 yuan, and the total loan interest is 60,420 yuan.

5. Calculated by 10 year, 350,000 yuan, even if calculated by 3% compound interest, the total bank interest is120,300 yuan.

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