We took advantage of the time to manage the account book and quantified the family's eight year plan. Specifically, it can be divided into savings plan and housing loan elimination plan. The savings plan goes step by step. Let's list the housing loan elimination plan. I feel painless and feasible. After quantification, I feel the pressure drops sharply.

The reason why we decided to pay the mortgage in advance is that the industry is changing rapidly, and Middle aged people, for us Reducing debt ratio&raising savings rate is the most safe behavior for families.

1. The first task is to clear the mortgage of the second house. At present, after the interest rate adjustment in 2024, the housing loan still has 4.8%. It is expected to be fully paid off in June 24. After that, for us, the house was completely rent inflow. Although the rent to sales ratio is only 1.5%, who knows whether the fixed deposit interest rate will continue to decline. Maybe in two years, the annual fixed deposit interest rate of 1.5% will also be normal, so the rent will be a stable cash flow at that time. Considering the school district property of the house, it is also a more appropriate arrangement.

2. What I will prepare later is House loan 1 Painless The removal plan~Our current self housing has been started and paid off the loan for nearly 7 years, adopting the method of equal principal and interest. The bad news is that I have paid a lot of interest. The good news is that I have finally begun to pay it every year The principal has been paid. Take the mortgage calculator and calculate, In the next eight years, the average annual principal will be nearly 100000 yuan, and we will take an additional 100000 yuan to prepay, so that the principal will be almost 1.59 million yuan, and the remaining 1.44 million yuan of housing loans will be repaid in eight years. We have interest rate discount for this suite, which is not too heavy. We can make daily repayment slowly later. So all we need to do is to take 100000 yuan out of the rice bag every year. The feasibility is still high.

Come on~move bricks well~