The interest rate of provident fund loans is 3.25%.

Because you didn't say how many years the loan is, just say that the commercial loan is 30 years, and the provident fund depends on your age. Suppose you can borrow it for 30 years.

Using excel pmt formula, it can be calculated that the commercial loan is 2,800 yuan a month and the provident fund is 2,200 yuan a month, totaling about 5,000 yuan. If the income is doubled, the income should be no less than 654.38+100000 yuan per month.