Analyze your current situation first. You need a three-year down payment of1.2000, a monthly consumption of1.2000, a salary of 3000, a monthly balance of1.8000 and a current deposit of 20000. After three years, the total balance is 64,800, the deposit is 84,800, and the difference is 35,200. If we want to reach this limit, even if we deposit 1.800 yuan every month, the average annual rate of return will reach 46.6%, which is unrealistic. This difference can be made up by provident fund, but if you want to live in it, it will cost tens of thousands of dollars for decoration, furniture and deed tax.

The minimum down payment is 30%, and the loan is 280,000. At present, the commercial loan interest rate is 6.8%, and the provident fund loan is 4.7%. There is an upper limit on the amount of provident fund loans. At present, the maximum is 800,000, depending on your local area. Monthly repayment after 30 years 1452.5438+09 yuan. If your monthly contribution to the provident fund exceeds this amount, there will be no pressure. If not, you will have to get a business loan. It's best to marry a wife and offer it together, or buy a bigger one.

As for my suggestion, you have just come out to work, so there is no need to buy a house so early. It is more appropriate to buy it when you are more affluent in the future.

Do your parents have endowment insurance? At present, pension savings are not subject to insurance. It is best to understand the quality of retirement life that parents need to consider first, and then make arrangements for retirement financial planning. If you have any questions, you can ask me.