1. The reasons for choosing a 30-year mortgage term mainly involve economic costs, capital liquidity and personal financial planning. The following is an analysis of the rationality of this option:

- Economic costs: Long-term loans mean relatively low monthly repayments, which helps reduce the borrower’s monthly financial pressure and thus More flexibility in other aspects of life and investing.

-Financial liquidity: Choosing a longer repayment period can maintain higher liquidity, giving borrowers more room to respond when faced with emergencies.

-Personal financial planning: For many people, 30 years is a reasonable time span that can match personal career development and family planning to achieve long-term financial stability.

-Interest rate impact: Long-term loans may result in higher total interest payments when interest rates rise, but the actual cost of long-term loans may decrease when inflation and income growth are taken into account.

-Credit record: In the era of credit, maintaining a good credit record is crucial. Choosing a reasonable repayment period can avoid credit stains caused by excessive short-term stress.

-Big data credit report: Financial activities such as online loans will affect personal big data credit records. Choosing a 30-year mortgage allows you to avoid credit risks caused by other financial activities while maintaining stable repayments.

2.

Extended information:

-According to economic principles, individuals should choose a loan term based on their own income level, cost of living and future plans. to achieve optimal financial arrangements.

-Long-term loans can help borrowers better plan for retirement and other long-term financial goals, while also providing a buffer against possible economic fluctuations.

-When choosing a loan term, factors such as changes in market interest rates, personal risk preferences, and tax incentives should also be considered.