It can be said that it is a common thing to buy a house by loan now, but everyone has his own interests, and some people are willing to repay the loan slowly even if they have money; And some people will choose to repay the loan in advance as soon as they have money. Today, let Mr. Xiao calculate an account for everyone, and you will know how to choose. First of all, let's talk about the situation that is suitable for early repayment, that is, you have some spare money on hand, remember that it is spare money, and this spare money has not found a better investment project, which has little impact on your daily life in advance. Anyway, you are idle, so it is better to pay it back in advance. However, if you have spare money, but have better investment projects, and you are obsessed with prepayment and investment projects, then Xiao Zhongjian suggested that you can try to invest and the loan can be repaid slowly. Some people may ask why. I believe everyone knows that the currency is depreciating. Think about it. Can you buy the same things for 100 yuan now as you could buy ten years ago? Therefore, it can be said that the longer the time, the less valuable the money is, and the loan will be repaid slowly, and the value of the same money may be different.
First, the repayment funds are tight.
Some people borrow money to buy a house because money is tight, otherwise who will borrow money to buy a house, after all, they have to pay interest to the bank. The original house was 500,000 yuan, and the loan was 10 year. Ten years later, the interest paid to the bank was 147800 yuan. Invisibly, the cost of the house has increased by nearly 6.5438+0.5 million yuan. If you have money, who will borrow it?
This kind of customers with low income and poor economy can only pay back slowly and have no choice.
Second, sufficient funds for repayment.
Some customers borrow money, not because they have no money, but because the money is occupied by other projects, but they still want to buy a house. In this case, the customer can depend on the situation. If the funds come back and there is no investment channel, in this case, I personally suggest that you can choose to pay back all the balance, or leave a part for partial repayment. In this case, a lot of interest can be reduced, because the interest corresponding to the partially repaid principal can be saved without repayment.
Third, use investment channels for repayment.
Some customers are doing business or have any investment channels. After all, the bank loan interest rate is not high. When the funds are abundant, you can choose to pay off all the balance or not. If you don't repay the loan, you can use the funds as the working capital of the business, with low interest and high business income. As long as you earn the interest money that the mortgage needs to bear, it is very suitable for customers to use.
In short: when the economy is tight, pay back the money slowly, and don't worry about doing business to earn interest. If they have spare money and no investment channels, they can choose to pay back part or all of it, so that they can spend less interest. Of course, if you have other opinions, please leave a message.
Of course, in fact, whether it is necessary to prepay, or whether it is a concrete analysis of specific problems, must be decided in light of their own actual situation, and can not be generalized. However, some people may think that the pressure of not paying back the monthly payment is still relatively large, and there is still some spare money in hand when buying a house. Then Mr. Xiao suggested that you can increase the down payment ratio. Generally, the down payment is 30% of the total amount. You can increase it to 10% or 20% to make effective use of your so-called spare money. Secondly, it has not lightened some burdens in the future.