Sign a contract first and pay a fee. Then pay the contract amount monthly or in one lump sum according to the contract. Finally, you can borrow twice as much money from China and Germany at an interest rate of more than 3% (lower than mortgage and provident fund), or you can deposit 25% of the loan amount in advance, but the interest rate is higher, more than 4 o'clock. To put it bluntly, it is to develop the habit of saving mortgage loans every month, with a loan of more than 25%. It is a good thing that banks are reluctant to lend and raise interest rates now. The interest on this loan remains unchanged. Suitable for conservative and people without housing provident fund.