3000-3500 is more suitable, so the pressure will not be too great, and you can have some money in hand for emergencies, such as colleagues getting married or something.

Now the loan has only 3.4% interest, just use the bank's money. You know, 10 years ago, the interest rate was 4. 0.

In short, buying a house requires a loan, at least at present, the interest rate is so low. Let's take a house of 1 10,000 as an example. If you pay in one lump sum, you will get a 2-point discount. That is more than 20 thousand. If you take out a loan, you will pay more interest every month, but there will be 600,000 to 700,000 working capital.

PS: At least, after all, everyone's situation is different. You only said this situation, you can't analyze it in detail.