This plan is ok. It depends on your family income. If you think it is easier to pay monthly, which plan can you choose? If you think the monthly payment can be higher, you can say that you don't need to borrow it for 20 years. I will borrow 10 or 15. /kloc-about 2,500 yuan in October and about 2,500 yuan in May. Also, in the first few years, you basically have to pay interest from the bank, and in the next few years, you almost have to pay back the principal! You can also pay in advance. Some banks have different rules. If you repay the loan in advance (you need to apply to the bank where you repay the loan in advance, so you will get more and more money, and the remaining money will be less and less, which means that your interest will be less and less, and of course the money will be less and less! Every time you pay back the money, the bank will recalculate your repayment amount, which will only be less and less!