For a house with a total price of 4 million yuan, the maximum provident fund loan is 6.5438+0.2 million yuan. If the down payment is enough, it is relatively appropriate for you to choose a pure provident fund loan. The interest rate is also lower than that of commercial loans, and the corresponding repayment interest is not high. The repayment pressure is also relatively small;

But if you don't have enough money to pay a high down payment, of course, choose more loan points. If you choose pure commercial loans, the pressure is also great, and the interest on commercial loans is relatively high, which is not suitable. So portfolio loan is the most suitable at this time. According to the provident fund loan interest rate can be 654.38+0.2 million, and the rest according to the commercial loan interest rate. Overall, it is still lower than the monthly payment of pure commercial loans. It can alleviate the repayment pressure to a certain extent.

I hope you can choose according to your actual situation.