The monthly surplus of 3.5k takes 100 months excluding all additional factors. That is 8.3 years. If you don't consider the additional parameters, you can buy it directly. However, you need to consider a series of issues.

1. House prices are rising.

2. Inflation.

3. Changes in loan interest rates.

4. Adjustment of salary structure.

5. The expenses increase after having children.

Or stick to 20 12. Or just need it, buy it with an early loan. Since it is just needed, there is nothing to say. Any investment is risky. Therefore, if it is just needed, venture capital is not recommended.