First of all, you should know exactly what the down payment ratio of second-hand houses in Beijing is, what is the maximum amount of provident fund loans, what is the maximum amount of personal (or family) loans, and whether portfolio loans can be made, and then consider other specific issues.

Your available funds are 570,000 yuan (30+7+20), and the existing 70,000 yuan in the provident fund account can be reserved for the payment of related expenses in the later period of the house (6,543.8+2,000 yuan house, 70,000 yuan is estimated to be enough), and this 70,000 yuan can be directly collected from the provident fund center with the down payment invoice after your down payment. Therefore, the actual available funds are about 500,000 yuan. When the second-hand house down payment is less than 40%, it can be transferred. Of course, you need to be allowed a 60% loan line. If the provident fund is insufficient, it can be supplemented by commercial loans.

If you are allowed to borrow 700,000 yuan, there should be little pressure to repay the loan with your income. Assume that the provident fund loan is 400,000 yuan and the commercial loan is 300,000 yuan. On October 20th,1based on the interest rate of 5.22% for the commercial loan and 4.05% for the provident fund loan over five years, the loan will be repaid by the average capital method. In the first month, 1 1.42 yuan will be reduced1kloc every month thereafter.

I wonder if you are satisfied? If you have any questions, we can discuss them together. . . .