Hello, it depends on your actual situation: the long service life is relatively high, but the repayment pressure is small. Short life, high repayment pressure, but low interest. Both have their own advantages, mainly depending on your personal repayment ability. Hello, the down payment has nothing to do with the loan period. If the down payment is more, your loan amount will be reduced accordingly, so your monthly payment pressure will be reduced accordingly, mainly according to your income. Hello!

There is no necessary connection between the two, and there is no good saying. It depends mainly on your own situation. A high down payment will reduce the loan pressure, and the loan term will be long, which can also effectively reduce the repayment pressure. However, sometimes people will choose low down payment and long loan life, because the interest rate of bank real estate loans is relatively the lowest, and they will choose this one when the funds are not abundant or there are other needs, so there is no such thing as good, mainly depending on your own considerations. The bank is always right! The loan term of commercial loans is not necessarily related to the down payment. The more down payment for commercial loans, the better, or the longer the loan term, the better. You should choose a plan that suits you according to your income.

Of course, the more down payment, the less your loan, the less your monthly payment and the less pressure.

If the loan amount is large and the down payment is small, your later repayment amount will be high, and your monthly payment will be high.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!