2. Never use the provident fund before applying for a loan, because if the borrower takes the depositor's deposit before the loan, the bank's savings interest rate will become 0, and the bank's provident fund loan amount will be 0. In other words, you cannot apply for provident fund at present.
3. Know the repayment method in advance: At present, there are two ways to buy a house with bank loans, one is equal interest rate, and the other is average capital. Although the interest rate is very low, it is very stressful to pay a high loan every month. The average interest amount is slightly higher, but the monthly supply pressure is less. You can choose the appropriate repayment method according to your actual situation.
4. Don't pay off before 65438+February: it is best not to pay off within one year! Because according to the relevant housing provident fund loan policy, the prepayment should be one year later, and the borrower's repayment amount should not be less than six months.
5. Don't forget to inform the lessee when renting out after the loan: during the loan period, if the house is rented out, the lessee shall be informed in writing.
6. Contact the bank in time after the loan expires: during the repayment period, if the repayment ability declines, don't be reluctant, you can ask the bank for an extension. After investigation by a bank, it is confirmed that this is indeed the case, and it is also confirmed that the borrower will not default on the loan principal and interest, so it is generally accepted.
7. Don't forget to cancel the mortgage when the loan expires: If the loan principal and interest have been paid off, you can cancel the mortgage at the real estate trading center with the bank loan certificate and other relevant property rights certificates of the property.
The above is about the matters needing attention in buying a house with a loan. Everyone must carefully distinguish when buying a house, so as not to fall into the trap. I hope this article can help you.