经常有消费者咨询,现在手头有了一笔钱,是用来提前还住房贷款好,还是按期还好?专家解答,需要根据客户家庭的具体情况来定。如果你工作稳定,没有失业、收入锐减之类的后顾之忧,手头有了整钱(1万元的倍数,因为提前还贷的起点是1万元),提前归还房贷不失为一种明智之举。如果你的职业不固定,收入时高时低,建议平时还是积蓄一定数额的应急资金为 Often have consumer advice, now have a sum of money on hand, is used to advance the housing loan is good, or on schedule? Expert answers, according to the specific circumstances of the customer’s home. If you work steady, no unemployment, such as the sharp drop in income worries, have a hand in hand money (multiples of 10,000 yuan, because the early repayment of the starting point is 10,000 yuan), the early repayments of the mortgage after all is a wise move. If your job is not fixed, income is high and low, it is recommended that usually a certain amount of contingency savings or