Equal principal and interest method: The total loan amount is 200,000, assuming that the annual interest rate is 6.150 and the loan period is 20 years: the monthly monthly payment of principal and interest is: 1,450.22 yuan, the total repayment amount is: 348,052.8 yuan, ***should be Interest repayment: 148052.8 yuan. (Intermediate interest rate adjustments are not taken into account)

The number of repayment months is 24 months; ***interest repayment is 23975.34, ***principal repayment is 10829.94, the remaining principal to be repaid is 189170.06, and the last period of interest is 969.5 ( Interest rate adjustment factors in the middle are not taken into account) ///You still need to pay off now: ￥190139.56

This depends on your repayment ability. Of course, the minimum interest rate is 5 years, but the repayment pressure is also the greatest. , how many years can you repay in advance? If it is less than 5 years, I suggest you choose 10-20 years according to your repayment ability. If it is more than 5 years, early repayment is basically meaningless, because most of the repayments in the first few years are interest; In addition, there are two repayment methods for mortgages, one is equal amounts of principal, and the other is equal amounts of principal and interest. If the repayment ability is sufficient, it is recommended to choose the former, as the interest is relatively small, and the former is part of the repayment ratio in previous years. , the principal accounts for more, so repaying it in advance is the most cost-effective.