First, both husband and wife can borrow money to buy a house, but you are not in the same city, so one party can apply for a loan and the other party can apply for a provident fund, which is just right!

Second, the monthly payment, I will give you a calculator, input the number of years and the loan principal, and you can work out how much the monthly payment is. The annual interest rate of loans for less than five years is 4.77, and that for loans for more than five years is 5.22.

Although you have 1 10,000 provident fund every year, you can't withdraw it, because you can't apply for withdrawing the loan after buying a house 1 year. You cannot withdraw cash unless it is settled in one lump sum! ! !