1. According to the third paragraph of Article 4 of the Measures for the Administration of Mortgage Loans of Commercial Banks: "The loan amount of the borrower should be controlled according to the standard that the ratio of monthly real estate expenditure to income of the borrower's housing loan should be controlled below 50% (including 50%) and the ratio of monthly debt expenditure to income should be controlled below 55% (including 55%)." It can be seen that the repayment amount is calculated according to the monthly supply capacity. I wonder if the salary you mentioned is twice as long as the longest loan period of 30 years? If not, you can extend the loan period and reduce the monthly payment, and you can repay the loan in advance in the future. 2. If you want to treat your parents as co-borrower, you must first treat your parents as the * * * owners of the real estate, but your parents have mortgaged before, and the second home loan differentiation policy will be implemented. 3. The guarantor is different from the same borrower. * * * The same borrower and the borrower or the main lender jointly perform the repayment obligations; The guarantor only guarantees the borrower to fulfill the obligations of the loan contract, that is, when the borrower fails to repay the loan, the guarantor will perform the debt or assume the responsibility as agreed. In this way, the guarantor can't solve the problem of loan amount.