The minimum down payment ratio of Anshan mortgage is 30%, the total price of your house is 400,000, and the down payment is 654.38+0.2 million. If the second method you mentioned is adopted and your parents' house with a value of10.2 million yuan is used as collateral, the maximum mortgage loan will not exceed 80,000 yuan. The first method is recommended.

According to your lover's salary, his monthly salary can directly apply for a commercial mortgage loan, but if the bank says it is not enough, you two can also apply for a mortgage loan together. First, use the equal principal and interest method to obtain loans, and after half a year, you can switch to the average capital method, so that you can save some money when repaying in advance.

I'll also give you an interest rate table of Anshan local loan.

Comparison of repayment amount between 200 thousand loan and 20 years equal principal and interest repayment method

Preferential situation Interest rate Monthly payment (RMB) Total repayment (RMB 10,000)

Benchmark interest rate: 5.94% 154385386485

The discount rate of 30% is 4. 158% 1228.89. 386383866

8.5 The discount rate is 5.049%1325.4431.8106.

1. 1 times the interest rate of 6.534%1494.683399.199999989885

If conditions permit, it is best to repay the loan in advance, or after 20 years of repayment, buy the current house with a total amount of 600,000 yuan.