If it is a second-hand house, the minimum is 30%.

It is not a problem to borrow 200,000 goods or 300,000 goods. The question is how many years do you want to borrow it? Otherwise, it is not good to calculate the monthly payment.

As for the interest rate, it is the same for five to thirty years or more, and it is a long-term loan.

The benchmark interest rate is 5.94%, and the preferential interest rate is 4. 16% (the first loan purchase interest rate).

The loan is 200,000 yuan, with a monthly payment of 1 228.89 yuan for 20 years.

The loan is 300,000 yuan for 20 years, which is 1, 843.33 yuan.

All the above are calculated at preferential interest rates.