bro, just take 30years if you're afraid you can't commit 1800/mth now. and you just pay extra whenever you can. you'll cut your tenure. most housing loan is using reducing balance rate (ie: your installment is based on your loan balance) and whenever you pay extra, it'll cut your tenure. find amortization calculator, it'll give you rough idea.

This post has been edited by flazeroth4th: Jan 19 2023, 09:56 AM