Your unit has paid the housing accumulation fund. You can use the provident fund to apply for a loan to buy a house. The interest rate is lower than that of commercial bank loans, and you can also withdraw provident fund to repay the loan. The loan interest rate of commercial banks will generally rise on the basis of the national benchmark interest rate, depending on the bank.
Borrowing money from a bank requires interest, not a credit card with an interest-free period. . . After a few years of loan, your financial conditions have loosened. If you have money, you can apply to the bank for prepayment, pay a certain penalty and pay less interest.
How much are you going to borrow? How many years are you going to keep it? Ask the bank to help you estimate how much you should pay back every month. Multiply it by the total number of months and you will know what the interest and principal are. Interest rate countries adjust their policies every year, and you can only estimate.