Can't your provident fund loan reach 260 thousand? It stands to reason that the general civil servants' provident fund payment is relatively high.

If the loan is really not that much, borrow money to make up the down payment first. After all, it is more cost-effective than commercial loans.

Now is not the best, but what you can do.

Give priority to borrowing money to make up the down payment.

If you can't do it together, you can consider commercial loans.

After one year of loan, you can withdraw the provident fund, which can relieve some pressure.

I hope I can help you!