The down payment of a house is not 30% of the house price, which is a misunderstanding of many people! Every house transaction must be evaluated by an evaluation company! Down payment = house price-(evaluation price X70%)! For example, your house 100 square meter, 800,000! If the appraisal price of the appraisal company is 6.5438+0 million, then you can borrow 700,000, so the down payment is 800,000-700,000 = 6.5438+0 million, and the down payment is 6.5438+0 million! So it depends on the location of your house, cost performance and so on! If your house is 100 square meter, it will cost 800 thousand. If the appraisal price of the appraisal company is 500,000, and you can only borrow 350,000, then the down payment is 80-35 = 450,000, and the down payment is 450,000. It's hard to say! Now the interest rate of commercial loans is generally 6.55%, and the provident fund is about 4.8%!