In addition to setting the value of the property, for ease of calculation, the analyst also assumed that the person intending to solve their housing problem had 204,000 yuan in cash on hand and could freely dispose of 3606 yuan per month. If they were to directly purchase a property from the developer, the buyer would need to make an initial payment of 180,000 yuan and secure a commercial loan of 420,000 yuan, to be repaid over 15 years. Based on the current interest rate of 7.38% with a 15% discount, the actual mortgage interest rate is 6.273%, with a monthly payment of 3606 yuan and a total interest payment of 229,000 yuan over 15 years. Adding the 2% deed tax paid at the time of purchase and the 2% property maintenance fund (using a multi-story residence as an example), the total tax expenditure would be 24,000 yuan.