A monthly mortgage of 3,500 yuan is not too much. As long as your income allows, you can buy a house and apply for a loan, that's all.

1. down payment calculation: (the central bank stipulates that the down payment for the first suite should be at least 30%) If the loan amount of a house with a125m2 is125m * 5,500 yuan/m *70%=48 1250 yuan (the bank mortgage loan amount is only the full loan, but the loan amount is zero).

2. There are two repayment methods: equal principal repayment: decreasing repayment, with more repayment in the first month and decreasing month by month, less total interest paid, greater pressure in the early stage and less pressure in the later stage. Matching principal and interest repayment: the monthly repayment amount is the same, and the total amount of interest paid is high and the pressure is average.

3. Actual repayment amount:

(1) Loan 15 years: equal principal repayment: 5286 yuan in the first month. Gradually reduce. 268 1 yuan last month. Total interest paid is 237 1 10 yuan. Equal repayment of principal and interest: 4 194 yuan per month remains unchanged. The total interest paid is RMB 275,065,438+03.

(2) Loan 10 year: repayment of equal principal: repayment of 6620 yuan in the first month. . Gradually reduce. . 402 1 yuan last month. Total interest paid 1585 10 yuan. Matching principal and interest repayment: 5462 yuan per month remains unchanged. Total interest paid 175502 yuan.