Whether to choose a 20-year or 30-year mortgage depends mainly on the customer's own economic situation and repayment ability.

If the customer's economic income level is not low, then 20 years is enough. There is no need to choose 30 years. If it takes too long, the sooner you pay your debts, the better. In addition, for more than ten years, we have to pay more interest. However, if the customer's economic income is average and the mortgage amount is relatively large, the monthly payment may not be low after 20 years, and the customer's repayment pressure will be relatively high. It is best to choose 30 years. After a long time, the monthly repayment amount will naturally decrease. In this way, the monthly payment burden of customers can also be reduced.