Second, you can only choose one of provident fund loans and commercial loans, but not both.
Third, according to the current down payment of 30% for a 600,000 house, you need a loan of 420,000 yuan (annual interest rate of 7.05) and a down payment of 1.800 yuan.
If the loan is 10 year, the monthly payment is 4887.
If the loan is 15, the monthly payment is 3787.
If the loan is 20 years, the monthly payment is 3269.
If the loan is 25 years, the monthly payment is 2982.
If the loan is 30 years, the monthly payment is 2808.
According to your monthly income, you are more suitable to choose a loan 10 or 15.
Secondly, I can see that you mainly want to use the provident fund. In fact, after you buy a house, you can take your real estate license and purchase contract, as well as bank loan contract and mortgage contract, and go to the place where your unit pays the provident fund to take out your provident fund. According to the actual situation of each unit, some units can receive it once every six months, and some units can receive it once a year.
Finally, I suggest that you prepare 20,000-30,000 yuan more for emergencies. So you have 0.2 million/200 thousand, which is OK Hand-to-hand combat is expected to be adopted.