You can go to 30%, but if your parents are 60 years old, the average bank can only lend for 65,438+00 years, and some can lend for 65,438+05 years, depending on the specific bank. In addition, if really necessary, developers can generally provide some proof, so that you and your wife can achieve 30% loan for 30 years, but there are certain risks.

At present, according to your situation, an apartment with a total price of 3 million yuan needs a down payment of 1.5 million. At present, the interest rate of apartment rises 10%, and the monthly payment is 16 197.30 yuan.

Down payment 1.5 million, if you pay 30%, you can buy a house of about 5 million with a loan of 3.5 million. At present, the interest rate of the house has gone up by 5%, and the monthly loan 10 is 3,7371.45 yuan. Loan for 30 years, monthly payment 19 100.6438.