Five years is cost-effective. On the surface, the five-year interest rate is much higher, but overall, the amount of 10 is much larger than that of the five-year period. If there are other plans for large consumption in recent years, it is recommended to issue 10, because it is generally high but the monthly deduction is low. If it is a provident fund loan, deduct the provident fund first and use the salary to make up the difference. According to your salary standard, the five-year salary is basically not deducted, and the provident fund is enough.