The general down payment for commercial housing is 30%. It depends on how much you buy, so we can know whether your 40 thousand yuan is enough.

Second, the amount of loan the bank gives you depends on how many installments you have repaid and the amount of each installment. Your monthly income certificate needs to be more than twice your monthly repayment before the bank can lend you money. That is, if you borrow 600,000 yuan and pay it back in 20 years, you need 4,500 yuan every month. The income certificate you provide must prove that your monthly income is more than twice that of 4,500 yuan (that is, 9,000 yuan) before the bank can lend you money. That is to say, if you earn 9,000 yuan a month, you can use half of the money to pay back the rest. If you only earn 4,500 yuan a month, you can still live.

As for the choice of equal principal and interest repayment method and average capital repayment method? It depends on whether you are prepared to prepay. Matching principal and interest means that you pay back the interest of your loan first and then the amount of your loan. (The repayment amount is the same every month) The average capital is the amount you repay the loan first, and then the loan interest. (The repayment amount in the first month is high and decreases month by month)

If you plan to repay in advance, you can choose to repay the principal, because the amount borrowed before has been repaid a lot every month.

If you don't plan to repay in advance, you can choose to repay the principal and interest after 20 years, so the interest will be much less, because you have already paid off the interest first.

Finally, I wish the loan success and remember to reward it.