The bank loan is RMB 6,543,800+7,000 with a term of 20 years. If other conditions are met, banks with a monthly income of 2,600 yuan can be approved.

Repay according to the matching principal and interest method, the interest rate rises 10% to 7.755% (at present, the interest rates of all major banks are rising), and the monthly repayment amount of170,000 years is 1396. 14 yuan. It basically meets the repayment ability requirements of banks.

Supplementary answer:

If you can issue more "proof of salary and income", the bank will certainly pass.

Co-borrower (also known as "sub-lender") means that another person repays the loan for this house when going through the loan formalities, so that their monthly income can be calculated together, and the loan amount can be increased or the term can be shortened (because the monthly repayment ability has increased).

The general requirements for co-payers are relatives, such as husband and wife, parents and friends. But one thing, if the loan has a co-payer, this person's name should also be written on the real estate license when handling the real estate license, which means that the property right of this house belongs to the common property of both of you, which should be considered clearly.