If 3.5 million yuan is the budget of real estate investment (self-occupation can be counted as investment, because it is part of the total assets of the family), it is recommended that 3.5 million yuan be used as the down payment of mortgage loans. As for the loan amount, it depends on the actual personal income and household expenditure. The reason for this is the following：

First, the bank's mortgage interest rate is low, with an annual benchmark interest rate of 4.9%. Even if it rises by 20%, it will not exceed the annual interest rate of 6%. If it is the first suite with good qualifications, there is nothing to say if you can get the downward interest rate, and you can lie down and earn the spread.

Second, the inflation factor and the currency circulation factor, such as 654.38+million in 2008 and 654.38+million today are two concepts, and the purchasing power of the currency itself has shrunk seriously. The factors of currency circulation can be clearly seen from the income. For example, the retirement wages in 2008 and today's retirement wages have more than doubled under the same conditions.

To sum up, mortgage is the easiest way for people to get loans, and the current debt pressure will weaken rapidly in the near future (five to ten years), so it is very necessary to buy a house by loan, especially the first suite!