First of all, if you have an outstanding mortgage, the down payment ratio is 70%, and if the mortgage is paid off, it is 40%, so you should first consider paying off the mortgage. It is difficult to match a suitable property with a down payment of more than 200,000 yuan in Guangzhou, so I suggest that you can raise money from your family or friends to make a down payment, or mortgage the house after the mortgage is paid off, but the relative monthly pressure is relatively high, which is a more reasonable method.