2. Are you the first suite or the second suite? The second suite must now pay 50% of the total house price; As for the loan period and monthly payment, we should consider it in many ways according to our own situation. Although the shorter the number of years, the less interest will be paid, but at the same time, the monthly payment will also increase, and the usual life pressure will also increase significantly.

The most important thing is to look at your income. It's best to calculate your income and expenses when you repay the mortgage. At the same time, considering that you will not be short of money when you need money badly. After paying off the mortgage, living expenses and other payables every month, it is best to have a slight surplus. If you are newly married, you should also consider the children's future life education expenses.

I suggest you calculate the most suitable monthly payment according to the above information, then determine your total loan amount, and then the bank staff will help you calculate the most suitable loan period.

3. The major banks are basically the same (CCB uses more).

3. At present, loans with equal principal and interest are basically used, which is rare in average capital, unless you find the bank president!

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