At present, the condition of provident fund loans is that they must be paid for one year.

Because you have only worked for half a year, you can't use the provident fund loan.

Commercial loans can be made.

The amount of commercial loans is based on the assessed value of real estate.

It can exceed 654.38+ten thousand yuan.

But only if your down payment is not too high.

For example, if your total house payment is 300,000 yuan and the down payment is 200,000 yuan, you can only borrow 654.38 million yuan.

If your total house payment is 300,000 yuan, and you can make a down payment of 6.5438+0.5 million yuan, then you can borrow 6.5438+0.5 million yuan, saving 50,000 yuan for discretionary use.

The loan is made up by the bank and transferred directly to the developer without your hand.

Loans are recommended according to your situation: the average capital form of commercial loans.