I wonder how much provident fund you have now. Let me give you a rough calculation. At present, the minimum amount of provident fund loans stipulated by the state is 30%. Let's calculate the house according to the maximum amount 15W. If the provident fund loan is used, the down payment is estimated to be 15W * 30% = 4W5000. Buying a house is a different story. I just bought a house. When I pay the down payment, I also need to pay off the matching fee and the loan that I can't make on the small house in one lump sum. You should prepare more than 6W, and you can't take the details for granted. If you trust me, I can give you a recommendation letter. Let's get the details straight. Buy an existing house or an auction house? How much down payment do you want to pay? How much provident fund can you pay every month? If it's 7,000 yuan in Beijing, it's good to save 3,000 yuan a month. Now, whether there is a deposit or not, you can pay by credit card and just swipe it out, but some real estate companies don't have a credit card machine, especially your house with a total price of 10- 15W. You can ask about the company first and say if you can swipe your card.