对于不同的房贷族而言,提前还款是否划算也不能一概而论,一定要考虑到房价的增长率和利息调整的时间因素。最重要的原则就是看还款之后节省的利息支出是否大于不还款带来的利息收入。对于以下四类人群来说,则无需急于提前还贷。 For different mortgage families, whether the early repayment is not cost-effective nor can we generalize, we must take into account the rate of increase of the price and interest adjustment time factor. The most important principle is to see if the interest expense saved after the repayment is greater than the interest income from non repayment. For the following four groups of people, you do not need to rush to repay the loan in advance.