interest rate of provident fund loans within 5 years: 4.% (annual interest); Interest rate of provident fund loans for more than 5 years (including 5 years): 4.5% (annual interest). You reserve 3 yuan, the company pays 3 yuan, and you have 6 yuan a month. I just checked the house in Longyan on the Internet. The house price is initially set at 4, yuan, and the house area is set at 1 square meters, that is, the total house price is 4W. If the down payment is deducted by 3%, that is, 12W, you need to repay 28W. If the loan period is 2 years, the average monthly repayment is about 1,77 yuan. According to the provident fund you paid, I don't know what the salary is. The initial estimate is 1%, and the landlord's salary is 3 yuan. If you repay by yourself, it may be a little difficult. If the husband and wife are still acceptable, try to control the mortgage within 3% of the income, otherwise it will affect the quality of life. However, according to the landlord's situation, as long as the down payment is solved, it is still possible to buy a house. It may be a little bitter in the early stage, but it will be better as wages rise.