The loan is 200,000 yuan, which will be repaid in 20 years. The monthly payment is not fixed, because it depends on what kind of loan you choose. According to the current commercial loan, if you choose the repayment method of equal principal and interest, the monthly repayment amount is 1308 yuan. The repayment method of average capital is adopted, and the repayment amount is about 836 yuan to 1650 yuan. There is also a form of loan, which is more cost-effective. It is a provident fund loan. According to the repayment method of equal principal and interest, it is required to repay 1 134 yuan every month. According to the repayment method of average capital, the monthly repayment is between 835 yuan and 1375 yuan.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans will be raised from 200,000 yuan to 300,000 yuan from June 1 9 counties in Linyi City, Shandong Province.

20 14,10 June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 consecutive months can apply for provident fund loans (currently 12 months).

17, 1 May 8, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that from September 15,1day, the down payment ratio for canceling the provident fund loan to buy a second house will be 20%.

Loan terms:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. Those who participate in the housing provident fund system must apply for individual housing provident fund loans, and they must also meet the following conditions: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it indicates that his income is unstable and he is prone to risks after issuing loans.

3. One spouse has applied for a housing provident fund loan, and neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.