Chengyang Sunac recommended Le Loan when buying a house. The loan said there was an interest rate rebate, and it has been more than eight months since I received a dime ...?

This is actually related to everyone's life planning. Although from the perspective of anti-inflation, the longer the time, the more cost-effective, but people's life loan time is not only 30 years, and inflation has always existed, so we should do a good job in the whole life cycle planning, rather than just looking at the present.

In the case of a certain monthly repayment amount, the longer the repayment time, the more the total loan.

In the case of a certain total repayment amount, the longer the repayment time, the less the monthly repayment amount.

First of all, when a person can choose the term of mortgage by himself, it illustrates two problems. First, your loan amount is controllable, and you don't have to borrow in full; Second, you have enough money-making ability, and you can pass the examination and approval if you choose a shorter term. Because real money is not enough for people with less income, according to the upper limit of monthly repayment, you can only choose to buy a house with the longest loan time.

Then, for relatively well-off people, how to plan the mortgage time?

The longest loan period is 30 years, but as we all know, we can't borrow for a long time when we are nearing retirement, so in our 40-year working career, we may only have about 50 years of effective loan time, so we must arrange the loan status. If you borrow for 30 years at the age of 25, and complete the first repayment at the age of 55, if you want to borrow for a second time, you will find that you can't borrow for a long time.

The first home loan between the ages of 20 and 30, because the income is in the growth stage, the income will not be very high, so the total amount will not be too high; But when you are about 40 years old, your income is usually at a high point, and the loan period at that moment can be extended to 30 years at the longest (consider delaying retirement). Therefore, when you are around 40 years old, you usually get the most money. If you consider buying a second suite, you should plan the loan time interval between the first suite and the second suite. If you want to repay in advance, you should also consider the cost of liquidated damages. In short, the purpose is to do our best.

So from the perspective of anti-inflation, the longer each mortgage is, the better, but from the perspective of everyone's overall life, the longer the total time, but how to combine it depends on your own expectations.