I work in Sanming Iron and Steel Enterprise, with a monthly salary of about 3,000 yuan and a monthly housing accumulation fund of 500 yuan. Now I have 30 thousand cash. Can I buy a house?

If you are not prepared to be a child slave, you should be able to buy a house. The minimum repayment amount of the provident fund is basically enough with the provident fund.

You can use the provident fund loan after paying the provident fund for more than half a year. 300,000 yuan house, 30% down payment, 2 1 10,000 yuan provident fund loan.

If the loan is calculated as a 20-year loan, it is recommended to choose free repayment, and the minimum monthly repayment amount is 1045 yuan (if the loan is repaid according to the minimum monthly repayment amount, the final repayment amount is 1 15805 yuan), and the average monthly repayment amount is 1374 yuan.

A few years ago, it was suggested to repay the loan according to the minimum repayment amount. The 500*2 provident fund is 1 000 yuan, so it is almost enough to repay the loan with the provident fund.

Inflation is still going on, so don't be too anxious to repay the loan, and wait until you have more money in a few years.

A few years ago, even the down payment borrowed by raising children was not generous, and it would take several years to pay off the borrowed money.