坚决反对提前还房贷！经济学家马光远：房贷其实在占银行的便宜。

Core Viewpoint - The discussion centers around the financial implications of early mortgage repayment, with economist Ma Guangyuan arguing against it, suggesting that it is not a financially sound decision in the long term [4][5]. Group 1: Economic Perspective - Ma Guangyuan emphasizes that repaying a mortgage early is not advantageous from an investment standpoint, regardless of the interest rate on the loan [4]. - He argues that the value of money depreciates over time, meaning that the amount repaid in the future will be worth significantly less than today [5]. - The example provided illustrates that a loan of 2 million yuan could become equivalent to only 200,000 yuan in today's value after 20 years due to inflation [5]. Group 2: Public Reaction - The video of Ma Guangyuan's comments sparked widespread discussion and debate on social media, indicating a strong public interest in the topic [5]. - Comments from viewers reflect a mix of agreement and skepticism, with some questioning why banks may not allow early repayment if it is indeed beneficial to borrowers [6]. - A user highlighted the depreciation of money over time, supporting Ma's argument by referencing past housing prices and loan conditions [8].