Description:

1. interest rate advantage: the interest rate of commercial loans is relatively low, which is more economical than other loan methods.

2. Distribution pressure: Long-term loans are allocated to a repayment period of 30 years, and the monthly repayment amount is relatively low, thus alleviating the financial pressure.

3. Benefits of prepayment: Repaying the loan after one year means that you can get rid of the repayment burden in advance, avoid paying high interest and save a lot of interest expenses.

4. Investment opportunities: If the remaining funds can be used for other investments, such as stocks and funds. , may get higher returns. Repaying the loan in advance can release funds for investment appreciation.

Summary:

It is cost-effective to buy a house through a commercial loan and choose the way to repay the loan after one year. Due to the low interest rate of commercial loans and low sharing pressure, repaying loans in advance can reduce interest expenses and have the opportunity to use the remaining funds for other investments. But the specific situation still needs to be decided according to the personal financial situation and investment plan.