The monthly payment of 7,000 yuan in January is still relatively high in 30 years. When a bank lends money, the monthly payment will generally be between 30% and 50% of the customer's monthly income, and the maximum will not exceed 50%. In other words, the monthly salary is 6,000 yuan. If you go to the bank to apply for a mortgage, the monthly payment is about 3,000 yuan. However, the amount of mortgage is not only determined by wages, but also determined by banks after comprehensive evaluation of mortgage value of houses, credit status of customers, liabilities, assets and financial resources.

If it is not in first-tier cities such as Beishangguangshen and Shenzhen, in second-tier cities, the average price of new houses is 1 10,000 yuan/square meter. Generally, there are two forms, one is commercial loans from banks, and the other is provident fund loans. Let's look at commercial loans first. Choose a small apartment, such as a house of 70-80 square meters, with a down payment of 30% and a loan of about 500,000 yuan. The principal and interest will remain unchanged for 30 years, and it will be almost 3,000 yuan per month, which meets the requirements of bank loans and can be borne by yourself. Therefore, the monthly average of 6,000 yuan can only bear about 500,000 bank loans.

If it is a regular unit, then according to this salary level, there must be a provident fund of 1000 yuan/month. If you use provident fund loans, the interest rate will be much lower than that of banks. According to the interest rate of the provident fund loan of 3.25%, you can afford a loan of 700,000 yuan for the same 30-year loan, that is, you can buy a house of 100 square meter and repay about 3,046 yuan per month. Of course, some areas have restrictions on the upper limit of provident fund loans. Even if you have a lot of money in your provident fund account, you can only borrow so many kinds. The specific situation can be based on the local provident fund center.

In short, choosing commercial loans is not as cost-effective as provident fund loans. Everyone should learn to maximize their own interests before applying for a mortgage.