A: The down payment will only be generated after the house purchase contract is signed. So sign the sales contract before paying the down payment.

Answer 2: If you have a strong monthly payment ability, you can choose the average capital method. This method needs more at the beginning and less later. Matching principal and interest means that the monthly repayment amount is the same from beginning to end. The average capital method pays less interest, while the equal principal and interest method pays more interest. If the interest rate is favorable, then the monthly repayment amount of equal principal and interest is about 1600, and the income certificate should be above 3200.