1.09' s house has gone up and down, and no one can be 100% sure, but at present, most citizens hold a wait-and-see attitude, because they all believe that the real estate industry will fall sharply. In fact, the real estate itself has declined, because recently, from the central government to the local government, the state has given great preferential policies to buy a house or a second-hand house, and a transaction can save tens of thousands of dollars. This in itself is a price reduction. In addition, from the relevant departments of Qingdao municipal government, we know that the real estate industry in Qingdao will not cut prices as much as other cities, because Qingdao has the support of the government, and as a coastal city, special development zone and other emerging cities, its real estate prices tend to be more reasonable. Although some space is too high, it is acceptable from the perspective of the whole peninsula housing enterprises.
2. Your home is in Wuyishan Road, Development Zone. I noticed that you didn't say second-hand house or first-hand house. I guess it was first-hand. That place is a good place where the development zone is relatively prosperous. If it is in the south of Changjiang Road, the price of 6 100 is more reasonable. I recently saw a house near HKUST. The asking price is 7 100, and the lowest is 6800. I believe that after the opening of the Cross-Harbour Tunnel, the house prices there will eventually rise by more than 8,000. You must have at least 7500 yuan there, because the development zone has a small floor, and the good place just slipped away.
Regarding repayment, it is obviously better to pay in one lump sum, which will save a lot of money. If you pay it off in 20 years, it means that you spent almost twice as much money on buying a house, which is not appropriate. However, if money is tight, replacement can give you plenty of time, but it will become a real house slave.
Suggestion: If you have money, start paying attention to the house price now and buy it when it is suitable. House prices will not fall next year. Even so, there is no possibility of a sharp decline. Seize the opportunity and act quickly. Fighters are hidden in the financial crisis!
I wish you a smooth life, a successful and developed career!