2. Seriously study the future ups and downs of the area where you plan to buy a house. If it has fallen a lot in the early stage, you can consider buying it. If it falls a little, it is expected that there is still room for decline. It's better to wait and buy before you fall. After all, you have your own house now, not just need it.
The total monthly income of you and your girlfriend is about 12000, which should be good. But in order to realize the future housing and family preparation expenditure, we must learn to save. Sort out the daily expenses of two people in detail and think carefully about what can be saved. Buy things at a discount, eat more at home, eat less when going out, and so on. Try to control the consumption at 4000 yuan per month, which can save 8000 yuan.
You have 80,000 yuan now, which seems not enough. I suggest you wait a little longer. The down payment can reach 1.5-0.2 million, or about 200,000. If the house price is suitable, you can consider buying a house, but you should pay attention to the extra rent as soon as possible.
You can't rely entirely on the house, because it is very troublesome to realize it. It is best to have a certain combination of savings, stocks and funds.