1. See if you have a provident fund. If you have a provident fund, you can borrow for 1 years at the current loan interest rate of 4.59%, and the monthly contribution is about 14 yuan. The loan is 15 years, and the monthly contribution is about 77 yuan;

2. If you don't have a provident fund, you can borrow for 1 years and make a monthly contribution of about 1171 yuan according to the current loan interest rate of 7.2%. The loan is 15 years, and the monthly contribution is about 91 yuan;

3. If you don't have provident fund, but you can enjoy preferential interest rate, you can borrow for 1 years and make a monthly contribution of about 1116 yuan according to the current loan interest rate of 7.2%. The loan is 15 years, and the monthly contribution is about 85 yuan;

4. Finally, don't forget to say, in financial management practice, it is recommended that the monthly repayment amount of the borrower should not exceed 4% of his monthly income. This will help you better confirm your loan period and amount.