Because the average monthly payment amount is about 828 yuan, the total amount of payment for 363 months is 299,664 yuan, and the account balance is only 300,000 yuan, which is far from the basic requirements to support life after retirement.
3 It is suggested to increase the amount and frequency of payment, or adopt other financial management methods to increase the account balance to protect the needs of retirement life. In addition, we should also pay attention to the reasonable arrangement of life and consumption to avoid waste and excessive consumption.