Personal advice:

Because the floating interest rate of lpr is implemented now, you must know the relevant knowledge before buying a house. Only in this way can we better protect our economy from losses. At this time, it should be noted that if there is a personal provident fund, you can also borrow money through it. Relatively speaking, the mortgage interest rate will be lower. Before looking for a job in daily life, you must ensure that you have five insurances and one gold to find a job. Only in this way can we not affect our personal life in the future.

Extended data:

Three types of lenders don't need to repay the loan in advance: first, choose the buyer in the average capital whose repayment period has passed one third, because the average capital has begun to repay more principal and has paid off a large amount of principal, and the interest generated by the remaining small loans will not be too much; Second, the repayment of equal principal and interest has reached the mid-term buyers, because this part of the public has paid most of the interest, and it is of little significance to repay the loan in advance; Third, citizens who are going to borrow from the bank in the later stage are not sure whether they can approve the loan when they apply for it in the later stage if they return it to the bank.

First of all, borrowers who implement floating interest rates and are still in the early stage of repayment are suitable to choose to repay loans in advance. Because the floating interest rate is already very high, if the borrower has the ability to pay off in one lump sum, he can also apply for a mortgage loan with real estate if he needs funds in the future. At the initial stage of repayment, most of the loan interest has not been repaid, which has little impact and little interest.

Secondly, there is no need to rush to repay the loan at the interest rate of 30%. Because the 5-year loan interest rate with a 30% discount is lower than the 5-year deposit interest rate, it is better to deposit the money with the loan. Moreover, after these people choose to repay the loan in advance, if they refinance to buy a house, the bank will not give them any preferential treatment, but will increase the interest rate by 1. 1 times according to the second suite, and the borrower will lose more than it gains.

In addition, borrowers who choose the repayment method of equal principal and interest, close to the intermediate repayment period or choose the average capital repayment method of trust network mode, and the repayment period has exceeded 1/3, are not suitable for early repayment. Some banks will charge some liquidated damages to customers who repay in advance, and the specific payment ratio or calculation formula of liquidated damages will be listed in the loan contract.