The question of whether it is worth planning is too big. Whether it is worth planning depends on individual circumstances and varies from person to person. Let me analyze it for you.

Because I don't know whether the repayment method you chose at that time was average capital or equal principal and interest, in order to facilitate the later analysis, I will acquiesce that you temporarily choose the repayment method of equal principal and interest (which is also the repayment method that most people choose at present).

According to the current loan interest rate of 4.9%, if you repay the loan in 30 years, you will have to pay 3,662 yuan each month, which will be about 220,000 yuan in five years. Most of the 220,000 yuan paid back is interest, and the principal is still very small, which is equal principal and interest. In the next 25 years, you will pay * * * 1.09 million. Now that I think about it, I'm still a little lost.

However, let's take a long view. If we have extra spare money to repay the loan, will we lose money? It mainly depends on whether you have more assets after repaying the loan with this idle money or after investing with this idle money. The loan interest rate is 4.9%. If you invest the money used to repay the mortgage in advance, you must ensure that your return on investment is at least 4.9% in order to be considered as no loss. Judging from the current situation, if you take this money to a bank time deposit, the income is not so high. So we can only use this money to invest in other things, such as buying funds, stocks, gold, futures, bonds and other products. And buying these products also has certain risks. Who can be sure whether they will make a profit or lose money in the future?

But my personal opinion is that even if I have enough spare money to repay the mortgage, I should not repay the loan. Because this 4.9% interest rate is really low. Many index funds can earn more than 10% if they insist on fixed investment. Then, if you invest hundreds of thousands in other things, he doesn't like it, such as opening a shop or something. Isn't it much better than having no money after you pay off the mortgage? Now so many rich people are robbing Peter to pay Paul, with little cash flow?