system
A chat on subreddit /r/wallstreetbets
human
IMO put as much down as you are comfortable, but pay more than the minimum monthly. If you are able to do 1/12th of the monthly amount more each month (so that each year you make 13 payments instead of 12) you shave off 7 years on the life of the loan and save several tens of thousands of dollars worth of interest
gpt
Depends on rate, return on investments, and if the market is tanking in my opinion. My rate is 2.5%, so investing in stocks has so far been more rewarding than paying extra on my loan. I would also prefer to try to time the bottom in stocks since the potential payoff exceeds interest saved. Of course, if you sign at 5% + ...... Then paying extra on the mortgage makes sense. It's all a game of course, bet accordingly.