First, don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, the prepayment should be made after 1 year, and the amount you return should exceed the repayment amount of 6 months.

Third, don't forget to find the bank around you if you have difficulties in repayment. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept your application for extending the loan period. However, according to the regulations, the loan term can only be changed once.

Fourth, don't forget to refund the tax when you get the real estate license. When purchasing a commercial house, all family members who can be refunded shall be written into the purchase contract as the property owner, and shall be handled immediately after signing the contract and paying the house price; Tax base deduction of personal income tax paid by property buyers; Apply for and get your own; General tax payment book; . You should go to the tax department for tax refund within 6 months after you complete the real estate title certificate.

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

6. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the principal and interest of the loan, 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 the property right certificate of the collateral.

Seven, don't lose the loan contract and IOUs. When applying for a mortgage loan, the loan contract and the receipt signed by the bank with you are all important legal documents. As the loan period can be up to 30 years, as a borrower, you should take good care of your contracts and IOUs, and read the terms of the contracts carefully to understand your rights and obligations.