1: For commercial loans, in fact, banks are relatively easy to lend money (with higher interest rates), and provident fund loans are the slowest. If you really buy a house, you will know. Some second-hand housing sellers simply stopped selling when they heard that you were a provident fund loan. If you don't apply for provident fund loans, some developers can give you an extra discount of one or two points. The reason is that provident fund loans will drag on for a long time, and they will not get the money for a long time.

2. Whether you can apply for provident fund loans does not depend on your balance and monthly income, as long as it has not been interrupted in recent years. However, commercial loans are different. Generally speaking, your total monthly contribution is required to be less than 50% of your total income, otherwise it will be regarded as lack of repayment ability and will not be approved. Of course, the bank knows your income from your income certificate. So, if your company is willing to help you raise your income certificate, that's actually no problem. But not all companies are willing to do so, you have to ask clearly.

Even if you buy a house, the money in the provident fund account is withdrawn once every six months. This means that when you usually pay the monthly payment, you must take money out of your salary-unless you take out the provident fund every six months and do nothing but buy wealth management, the provident fund will be deposited in the bank to pay back the money.

4. I wonder if the current provident fund policy has changed. In the past, the maximum amount of provident fund loans was 500,000 for individuals and 800,000 for couples, and the longest term was 20 years. If this is the case, if you borrow a portfolio loan of 6.5438+0 million, the monthly repayment will be between 6.5k (800,000) and 7k (500,000). This seems to be beyond your actual repayment ability. If the policy changes, you can borrow for 30 years, then your monthly repayment is about 5k-5.5k, which basically means that all your fixed income is used to repay the loan. You can only live on your bonus and keep a car, which seems more difficult. Moreover, one more thing, after you buy a house, you will bring some additional fixed expenses, such as property management fees, shared utilities and so on. Although it may be two or three hundred, it is not small when you have paid all the income for the monthly payment. By the way, you still have a car, including monthly parking space guarantee and so on.

According to the above calculation, I personally think that your loan of 6,543,800 yuan is a bit radical, but it is not completely infeasible. For example, when I bought the first suite, it happened to be a loan.