1. What's the minimum down payment? What percentage?

The minimum down payment can be 20%.

2. How much provident fund can two people borrow?

The time for continuous deposit of housing provident fund before application is not less than six months;

For the first time to buy self-occupied housing, and there are two or more borrowers, the maximum loan limit for each household is 600,000 yuan; If there is supplementary housing provident fund, the maximum loan limit for each household is 800,000 yuan.

3. Apart from the minimum down payment, if the loan lasts for 20 years, how much will the provident fund loan repay each month?

10.5 million. After the down payment of 300,000, you need a loan10.2 million.

According to the provident fund loan of 600,000 yuan, the monthly payment is 359,499,438+0 (RMB).

Re-loan 600,000 commercial loans for 20 years, with a monthly payment of 3,686.67 yuan and an interest rate of 30%.

4. Can the monthly repayment of the provident fund be offset by the monthly provident fund of two people?

Yes, if there is a balance, it can also offset the monthly payment of commercial loans.

5. Excluding the down payment and provident fund loans, if the remaining money is a commercial loan, how much is it every month.

See 3.

How to operate more affordable, thank you very much for your help.

Because the interest rate of provident fund loans is low and commercial loans are high, you can choose provident fund loans for 30 years and commercial loans for 20 years. This is lighter and more cost-effective.