The requirement of buying a house with a loan is to release the borrower's bank flow in the last six months, and the monthly income should be about 2 to 3 times of the monthly repayment amount after the loan. The bank's running water should also continue every month, and the more stable the income, the better. While the bank's running water meets the requirements, other conditions should also meet the relevant regulations of the bank, such as the borrower's need to keep good credit information.

When buying a house with a loan, the borrower needs to know the loan interest rate, calculate the total interest and monthly repayment amount to be paid after the loan, and then decide whether to apply for a loan.

There are two ways to repay the mortgage, one is average capital, and the other is equal principal and interest. Other things being equal, the total interest to be repaid on average capital is slightly lower than the equivalent principal and interest, but both support early repayment. The borrower must repay the mortgage as required after the loan, and there can be no overdue situation, otherwise there will be penalty interest and personal credit will be affected.

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