Ask Nanjing to buy a house portfolio loan. Commercial loan 1 10,000, and the maximum loan of provident fund is 300,000. The loan term is 30 years, and the mortgage calculator is used for the portfolio loan. You'd better confirm two questions with Nanjing Provident Fund Management Center. First, can you choose to use the provident fund to repay the loan on a monthly basis? Second, can the provident fund be used to repay commercial loans?

My city allows monthly payments, and also allows the provident fund to repay commercial loans. Assuming that you can also meet this policy in Nanjing, your ideal is to repay your monthly commercial loans with your monthly provident fund deposit, and make up the insufficient commercial loans and provident fund loans with cash every month. The specific figure is 7 163-3000=4 163. This is also your ideal repayment method, and the monthly pressure is relatively small. The length of service is definitely not suitable for you, and the salary is not enough for your monthly payment.

If the policy is different, for example, the contribution to the provident fund can only repay the provident fund loan, or it can only be repaid every year but not every month, then the situation will be different. There are several specific possibilities, which are more troublesome to analyze (mainly because of too much typing). So you'd better consult and confirm the loan policy first, and then help you analyze it in detail.