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Give out the trick! 6 million home installments are out of reach!! 😳🎉🏠

This is the true story of our sister.

When I bought a house for 6 million,

It was borrowed with the Bank of Thailand because Proton was the best.

It's like the average person thinks it's 25 to 30 years long.

But when the first three years of pro interest

Interest began to move up.

Our sister sat for the first serious calculation in life.

The total interest figures are barely millions.

At that time, I said one word

"Not letting interest eat our money for free."

I started looking for data, comparing banks.

Finally, decide to refinance.

Moved from Krungthai Bank to Krungsri Bank

Because at that time, Krungsri gave clear lower interest

Even with new paperwork, new home appraisals, running a lot of things.

But the interest difference is only a few percent.

The long run is hundreds of thousands to millions.

After that, I did two things in tandem:

💸 every time there's a bonus or extra money.

📊 Not minimum installment, but overpaid every month as far as possible.

The result is that the principal decreases very quickly.

The interest to be paid each year was markedly reduced.

From a house thought to be living with a 30-year debt.

Became a closed house within 8 years.

Our sister is not rich in the sky.

Doesn't have hundreds of thousands of core salaries.

Just not lazy, Czech, interest.

Do not waste money for free

And serious discipline.

This makes us understand

Stability does not come from income alone.

But from making decisions and running money wisely.

6 million homes run out in eight years.

It's not fast because of luck.

But it's fast because "Don't let interest determine life.

# Install the house quickly # Can't rest the house # Loan buy a house, human version, salary # Borrowing to buy a house # Relax the house quickly

3/2 Edited to

... Read moreการผ่อนบ้านให้หมดเร็วกว่ากำหนดนั้นไม่ใช่เรื่องที่เกินจริง แต่ต้องอาศัยความตั้งใจและวินัยทางการเงินที่เข้มแข็ง โดยในประสบการณ์ของพี่สาวที่ผ่อนบ้านราคา 6 ล้านนี้ สิ่งที่ทำให้สำเร็จคือการไม่ปล่อยให้ดอกเบี้ยเป็นตัวกำหนดชีวิต นอกจากการรีไฟแนนซ์เพื่อย้ายไปธนาคารที่ให้ดอกเบี้ยต่ำกว่าแล้ว ยังมีการจัดการเงินอย่างรอบคอบ เช่น การนำโบนัสหรือเงินพิเศษไปโปะเงินต้น ช่วยลดภาระหนี้ในระยะยาวได้มาก เหตุผลที่สำคัญคือดอกเบี้ยที่คิดจากยอดเงินต้นจะลดลงตามยอดเงินต้นที่จ่ายเพิ่มเข้าไปทุกเดือน และการจ่ายเกินตั้งแต่ต้นเดือนช่วยให้ดอกเบี้ยสะสมลดลงเร็วขึ้นโดยอัตโนมัติ ในฐานะผู้กู้บ้าน สิ่งที่ควรทำคือการหมั่นตรวจสอบอัตราดอกเบี้ยและโปรโมชันของแต่ละธนาคารเป็นระยะ เพราะแม้แต่ส่วนต่างดอกเบี้ยเพียงไม่กี่เปอร์เซ็นต์ก็มีผลระยะยาวมาก และอย่าลืมว่าการรีไฟแนนซ์อาจมีค่าใช้จ่ายและกระบวนการที่ต้องจัดการหลายขั้นตอน แต่ถ้าคำนวณแล้วว่าคุ้มค่ากับการลดดอกเบี้ยระยะยาว ก็ถือเป็นทางเลือกที่ควรพิจารณา สำหรับใครที่มีรายได้จำกัดเหมือนพี่สาวท่านนี้ การมีวินัยจ่ายเกินยอดขั้นต่ำตามที่ไหวและไม่ปล่อยหนี้ยืดเยื้อ จะช่วยให้ลดภาระดอกเบี้ยและปิดบัญชีบ้านได้เร็วขึ้นอย่างเห็นผลจริง อีกทั้งยังช่วยเพิ่มความมั่นคงทางการเงิน ทั้งนี้ การวางแผนล่วงหน้า รวมถึงตั้งเป้าหมายการจ่ายหนี้อย่างชัดเจน จะทำให้การผ่อนบ้านไม่เป็นเรื่องน่ากลัวและใช้ชีวิตอย่างสบายใจมากขึ้น ท้ายสุด อยากแนะนำว่าควรหาเครื่องมือช่วยในการคำนวณเงินผ่อนบ้าน เช่น แอปพลิเคชันหรือเว็บไซต์ที่เชื่อถือได้ เพื่อวางแผนการเงินให้มีประสิทธิภาพและปรับเปลี่ยนตามสถานการณ์ได้อย่างเหมาะสม ซึ่งวิธีเหล่านี้จะเป็นตัวช่วยสำคัญในการสร้างความมั่นคงและความปลอดภัยทางการเงินของครอบครัวเราในระยะยาวอย่างแท้จริง

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Alright… gather round. Because this was another successful party… but let’s be clear: Parenting is ghetto. So boom. My 9-year-old? He’s a STAR. When I say star, I mean this boy wake up talented. Tumbling? Yup. Baseball? Yup. Football? Yup. Soccer? Yup. Basketball? Yup. And now add to t
The Cleaning Lady of KC

The Cleaning Lady of KC

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LOST LORE: Alfseiðr #9
This is the 9th (of 64-[of which the 64th installment is being worked in the forge as I write this] so far, for this is a growing series) installment of the observation & deductions from an; Anthropological, Entomological, Archeological, (& much more) sources based treatise of the Norse cul
XEYE

XEYE

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I refuse to let the dream sit still.
I remember being a little 7-year-old girl in Atlanta, out there in the first official Martin Luther King Day parade, walking streets Dr. King actually walked. Same path toward The King Center in the same neighborhood he played as a child. Same city that still carries his name like a heartbeat.
SavvySanah

SavvySanah

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A mobile screen displays the Klarna app interface, showing a zero balance, cashback offers, and options to pay online or in-store. Overlaid text asks, "Stir the pot: Are there any potential risks to shopping with Klarna?" aligning with the article's query about Klarna's use.
Can anyone please give me advice about Klarna?
I’m thinking using Klarna for a big purchase. As someone who always pays upfront, “buy now, pay later” feels weird but this can’t wait, my mattress is wrecking my back so a new bed and mattress are non-negotiable. I’ve heard Klarna splits payments into installments, which sounds helpful for managin
Millie✨

Millie✨

72 likes

KB Magazine | A Faith-Based Digital Magazine
Discover KB Magazine – a Christian lifestyle digital magazine created for faith-filled women who love natural hair, self-care, and Kingdom entrepreneurship. Download our faith-based magazine for natural hair and self-care at karmasparadise.com #KBMagazine #karmasparadise #luxuryselfcare
Koach Kay Cole

Koach Kay Cole

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