First: the second-hand housing transfer fee is a huge figure. More than five years is about 7% of the house price, and less than five years needs more than 1 1%. These expenses are not loanable.

Second: See how much your daughter-in-law's provident fund is, and whether it is enough. If you pay too little, you won't get a 20W loan.

Third: I feel that your repayment ability should be no problem, and the down payment is a big problem.