From your boyfriend's point of view, he wants to have his own house, which is also a sign of self-reliance. You can respect his ideas.
According to your income, compared with your local house price, I think you can still afford a house. Buy a two-bedroom apartment of about 80 square meters with a total price of about 500,000 yuan and a down payment of 200,000 yuan. You can let your parents support some of them, and some use a combination of business and provident fund loans. The repayment was a little tight at first, but it was easy later.
Your family's conditions look good and you should be able to cope.
Buying a house is also one of my own assets. Now many young people don't live with the elderly.