Your income is too low, you must be able to issue a certificate of higher income or increase the number of borrowers. Generally speaking, the loan term should not be too long, just 10-20 years. The monthly repayment amount depends on your loan amount and the loan interest rate given by the bank. The current standard interest rate is 6. 14%, but some banks can give the first suite a discount of 8-8.5%, and the loan amount is also affected by your down payment ratio. The higher the down payment, the lower the monthly loan. So some people will choose to borrow money from relatives and friends, pay more down payment, and then borrow money. The most important thing is that the loan interest between acquaintances will be much lower than that of banks.

I hope the answer can help you.