According to my personal advice, regardless of your current ability to pay, try to get a lower down payment ratio and a longer term for the first time to buy a house. Because the mortgage interest rate is low, you can use the remaining funds to invest, and the income will generally be higher than the interest rate of housing loans (but if you consider your own income growth expectations, this is more reasonable). Generally speaking, when buying a house for the first time, the down payment is 30%, the interest rate is 30%, and the loan period is 20 years. According to the situation you described, the suggestions are as follows:

1. Down payment = 1.28 million yuan * 30% = 384,000 yuan, not higher than 500,000 yuan.

2. Loan amount = 1.28 million yuan * 70% = 896,000 yuan.

3. Loan (20 years) = 5.94%/ 12 * 70% = 0.3465%. (The benchmark annual interest rate for 20-year loans is currently 5.94%, with a 30% discount. )

4. Repayment method: repay the principal and interest in equal amount every month, with the formula = a * (1+I) n * I/(1+I) n-1), where a is the loan amount, I is the monthly interest rate and n is the number of loan months. (You can enter the formula in excel and get the monthly repayment amount yourself. )

5. Monthly repayment amount = 89.6 * 61.45438+077 = 5504066 yuan.

Because the maximum monthly payment is no more than 6000 yuan, other repayment methods are not considered.

Analysis: According to the plan, you can deposit it in 400 yuan every month, and the remaining down payment is 1 1.6 million yuan. 400 yuan can consider the fixed investment of the fund every month. Hold on. Meet your purchase cycle; 1 16000 yuan can be considered as partial fixed income wealth management products.