To apply for commercial loans, you need to provide some materials, including ID card, household registration book, marriage certificate, income certificate, running water certificate, etc. Among them, the monthly income proves to be twice as much as the monthly payment. Need to provide proof of running water for nearly half a year. For those who need a loan to buy a house, they can make preparations in advance and create a high flow in the first half of the year to get a high loan, but only if the repayment ability can be guaranteed.

2. Keep good credit information and check the credit information before lending.

Where applying for commercial loans, banks should first log in to the personal credit information core of the People's Bank of China to inquire about the credit information of lenders and ensure the quality and safety of loan issuance. It is very important for buyers who have the demand for housing and loans to ensure a good loan and repayment record in the early stage. If the credit record is not good, then the commercial loan is likely to be rejected and the purchase price will be re-planned. If the situation is not good, it may affect your purchase plan.

3. Choose the appropriate loan term.

The loan term is influenced by the lender's age and capital, and the longest is 30 years. The longer the loan term, the less the monthly payment and the more interest it generates. On the contrary, the shorter the loan term, the more the monthly payment and the less the interest. The older you get, the shorter the loan period. Of course, the loan term can also be determined according to one's own economic strength. Some property buyers have sufficient financial strength and can choose short-term loans to reduce interest expenses. With average financial strength, they usually choose to borrow as long as they can to ease the economic pressure.

4. Choose the appropriate repayment method.

There are two repayment methods for commercial bank loans: average capital and equal principal and interest.

The total repayment amount of equal monthly principal and interest is fixed, but the full repayment is calculated and the interest is more. Average capital's monthly repayment amount is more in the early stage, decreasing month by month in the later stage, and the total interest is less.

The specific repayment method should consider the influence of its own economic strength and repayment amount on real life, and plan the repayment plan reasonably without affecting the quality of life.

5. Repay on time and make repayment records.

Don't think that you can ignore credit information by getting a loan. After the loan is issued, remember to repay it on time and not overdue. Once overdue, you should consult the bank to remedy it in time. If you do this for a long time, your credit will have problems again, and you are likely to face the punishment of being taken back by the bank. Therefore, in the year of repayment, it is best to choose automatic repayment and deposit a certain amount of money into the card every month to reduce unnecessary troubles.

6. Consult the bank for prepayment.

With the reduction of loan life, the increase of repayment pressure and the improvement of living ability, lenders often choose to pay off the balance in advance and end their debt life. However, it should be noted that early repayment comes at a price and faces a fine from the bank. Therefore, when you borrow money or want to repay in advance, you'd better consult the bank staff to see if it meets the requirements of prepayment and the penalty for prepayment, and measure whether prepayment is cost-effective. Depending on the different loan methods, to a large extent, prepayment is not cost-effective. Therefore, the precautions for prepayment must be treated with caution and consulted carefully.