A mortgage with an annual salary of 200,000 and a loan of 3 million is not appropriate. According to relevant public information, a mortgage with an annual salary of 200,000 yuan and a loan of 3 million yuan is not appropriate. The monthly payment is16,000 times 12 months, which is equal to192,000. Don't eat or drink, the annual salary of 200,000 is only enough for mortgage expenses, and the annual salary of 200,000 is not appropriate.