1. Before applying for a loan,

Don't use provident fund. Because if the borrower uses the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in the provident fund account will be zero, and the amount of the provident fund loan will be zero, which means that you will not apply for a provident fund loan.

2. Pay attention to borrowing money.

Don't prepay in the first year. Because according to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months.

3. After the loan,

Don't forget to inform when renting a house. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

4. If you repay the loan,

Don't forget to look for the banks around you when you are in trouble. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. For example, ICBC customers can apply to ICBC for extending the loan period. According to our investigation, if the situation is true and there is no default in repaying the loan principal and interest, ICBC will accept your application for extension.

5. After the loan is paid off.

Don't forget to cancel the mortgage. When you have paid off all the loan principal and interest, you can go to the district/county real estate trading center where the property is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral.

6. Don't lose the loan.

Contracts and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

Phoenix. Com- remember these six principles, and let you buy a house and turn over in 2020!