One question is whether it is cost-effective to borrow 420 thousand from the bank. If the interest (commercial loan) is included, it will probably be paid back to 800,000-900,000 (if the loan is not repaid in advance).
If you have money, try to borrow less and pay more down payment. Anyway, how to calculate, you are not a developer, developers collude with banks! ! ! ! You can get a 20% discount if you pay in full.
The nuclear power plant is located in Longgang, Shenzhen, and has nothing to do with Daya Bay. I don't know which district and building you are in.