A commercial loan of RMB 500,000. If it is a housing mortgage loan, the loan term can be up to 30 years and 360 terms.

With equal repayment of principal and interest, the monthly repayment amount is 2578.18 yuan.

The bank requires that the repayer's monthly repayment amount cannot exceed half of his or her income. If the income certificate is 6,000, a monthly payment of less than 3,000 per month will meet the requirements.