Provident fund loans need to be paid continuously for 6 months. You can apply for a provident fund loan with a loan ceiling of 300,000 yuan, which can be reached according to your monthly payment of 320 yuan. The down payment is 6.5438+0.8 million yuan, and the loan is 420,000 yuan, of which 6.5438+0.2 million yuan is a commercial loan, which can be calculated by tools. About 3000+ in January of 20 years and 2000+ in a month of 30 years.