If you don’t plan to be a child slave, you should be able to buy a house. The provident fund will basically be enough to repay the minimum repayment of the provident fund.

You can use the provident fund loan if you have paid the provident fund for more than half a year. For a house worth 300,000 yuan, the down payment is 30% and the provident fund loan is 210,000 yuan.

If calculated based on a 20-year loan, it is recommended to choose a provident fund loan with free repayment, and the minimum monthly repayment is 1,045 yuan (if the minimum repayment is repaid every month, the final repayment is 115,805 yuan) , the average monthly repayment amount is 1,374 yuan.

In the past few years, it was recommended to repay the loan according to the minimum repayment amount. Provident fund 500*2 is 1,000 yuan. It is almost enough to use the provident fund to repay the loan.

Inflation is still continuing, so don’t be too anxious to repay the loan. Wait until you have more money in a few years before repaying more.

In the past few years, if you had to raise a child and pay back the borrowed down payment, you would not be financially well-off, and it would take several years to repay the borrowed money.