I'm thinking of taking out a loan to buy a house. The total price is 400,000 yuan, the down payment is 1.2 million yuan, and the unit has paid the provident fund for three and a half years. Can I borrow money to buy a house? /kloc-What are the monthly payments for 0/5 and 20 years respectively? The provident fund policies in different places should be similar, and there may be some minor differences.

1. Provident fund loan amount = account balance * 15. For example, if your account balance is 1. 10000, then the amount you can borrow is 165000, and the down payment is 400-165000 = 235000;

2. The minimum down payment for provident fund loans is 20%, provided that the account balance meets the conditions of such loans.

3. Non-Jiangsu household registration requires social security certificates for more than one year. If it is a Jiangsu household registration, there is no problem.