The 5 million home installment technique is incredibly quick. 🏡🎉

1. Choose a shorter loan period

• Usually banks give 30 years → Extremely expensive total interest

• If you choose 20 years or 15 years

→ Higher annuities, but the principal is much more sensitive.

→ Save millions of interest

2. Refinancing every 3 years

• Interest on the first three years is usually 2-3%.

• After that, it rises 5-7%.

• If the rephire → flower is reduced, the same amount of money but the tree is cut more sensitive.

3. Pose the principal "a little bit a month but continuously"

• Assuming an annuity of 30,000 baht

• Pay an additional 2,000-5,000 baht / month and say "Cut Tree"

• Depletion of debt for years

4. Use a lump sum to reduce debt.

• Bonus money, supplementary income, selling profit → large sum of mapo

• Every 100,000 bulging = saving tens of thousands of flowers

5. Pay more than the minimum balance

• If the bank forces 25,000 / month, try paying 30,000.

• 5,000 pieces cut straight trees

• The debt will fall faster than thought.

📊 Comparative example (roughly calculated)

• 5 million homes, 30-year loan, 6% average interest

• Annuities approximately 30,000 / month

Regular installment case:

• 30 years = 360 installments → 30 years out

• Total interest paid ~ 5.8 million

Early po cases add 5,000 per month:

• Exhausted in ~ 22-23 years

• Over 1.8 million interest savings

10,000 cases per month:

• Exhausted in ~ 17-18 years

• Over 3 million interest savings

✅ Conclusion:

"5 million homes, if the tree is pasted + regularly refinancing, from running out of debt in 30 years, there may only be 17 to 20 years left." → This is how the technique runs out of debt. ✨

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