800,000 second-hand houses, with a down payment of 200,000, you also need to borrow from the bank 1.5 million. What about the remaining 450 thousand?

Buying a house is the same as other commodities. Suppose the owner of an 800,000 house is a seller, and he needs to get 800,000 cash (whether there is a loan or not is another matter).

When you don't have 800,000 cash, if you make a loan through a bank or other financial institution and you make a down payment of N, then the loan amount you need is 80-N. For banks, it makes no difference. Just look at your loan amount of 80-N, and you need to prove your ability to pay (including interest, of course) in various ways. This calculation should also add the number of years of your loan, the interest-bearing method you choose and so on. I suggest you find a loan institution to make a detailed calculation and introduction for you.

Anyway, if the down payment is more, the loan amount will be less and the interest will be less. The others are not much different.