The monthly payment is 5000 yuan. In 20 years, the total principal and interest is about 6.5438+0.2 million yuan, and the loan amount is about 700,000-800,000 yuan. So it seems that you should be in a city below the third line. At present, housing prices in first-tier cities are above several million yuan, and housing prices in third-tier cities have reached more than two million yuan.

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For wage earners, when buying a house, the salary should be matched with the monthly payment. If the monthly payment of 5,000 yuan does not affect the quality of life, the monthly salary must be above 10000, because the monthly salary is 1000, only about 7,000 yuan is deducted, and then 5,000 yuan is deducted, leaving only 2,000 living expenses per month. If it is a provident fund loan, it will be better to repay it with the provident fund. If it is a commercial loan, the living expenses of 2000 yuan per month are obviously more stressful.

For example, a better way is to extend the repayment period, such as extending the loan period from 20 years to 30 years, then your monthly payment will be reduced to less than 4500 yuan, which can appropriately reduce the burden. I think the best way is to find the other half as soon as possible and share it with both of us. If the salary income of two people can reach 1.5 million, after deducting five insurances and one gold, there is almost 1.2 million left, with a monthly mortgage of 5,000 yuan and disposable income of 7,000 yuan, life will be very easy.