The difference is that the total interest of 10 is less, but the monthly supply pressure is great; In 20 years, the monthly supply is small, but the total interest is much higher.

Take the loan of 600,000 yuan and the annual interest rate of 5.38% as an example, you can compare it. The above picture shows the term 10 year, and the monthly repayment is about 6476 yuan. The following picture shows a term of 20 years, with a monthly repayment of about 4,087 yuan and an additional monthly repayment of 2,389 yuan. However, the total interest in 10 is about17715 yuan, while the total interest in 20 years is 380,823 yuan, which is more than 200,000 yuan.