This is a very reasonable financial planning. Reducing the debt ratio and improving the asset ratio are the core of financial planning.

First of all, buying a house is usually in the biggest financial expenditure period in life. If the mortgage pressure is too heavy, it will be difficult to save it in a few years. It goes without saying that it is natural to improve life. Can I sell my house in an emergency?

Secondly, mortgage is an opportunity to use the loan with the lowest interest rate in my life. If we give up this opportunity, the future investment cost will be amplified.

Therefore, reducing the down payment and extending the loan period can allow you to continuously expand your assets.

For example, as you said, the down payment 1 ten thousand yuan. If the minimum repayment amount can reach 600,000, most or even all interest will be erased from the remaining 400,000 investment income, or the loan interest rate is low and the yield is high. Why not bear the principal?