1, the designated bank. Many people think that they can choose a bank at will. In fact, developers usually have designated banks when lending money, which can be negotiated specifically. If they can choose, they can choose a low-interest bank that suits them.

2. repayment method. At present, there are two main types, one is equal principal and interest, and the other is average capital. The former has higher total principal and interest than the latter, but the repayment pressure is relatively small, so it should be carefully considered.

3. Portfolio loan. If the amount of provident fund loans is insufficient, we can consider portfolio loans and use provident fund as much as possible, but this loan method takes a long time, generally more than 3 months.

4. Loan amount. The amount of provident fund loans varies from place to place, mainly related to policies and your provident fund. Commercial loans mainly depend on income and qualifications.

5. Term of the loan. The mortgage amount is relatively high, so choosing the right number of years and matching the interest rate is also a way to save money. Generally speaking, the longer the loan term, the more cost-effective, especially in the current economic environment with serious inflation.

6. Adequate budget. In addition to the down payment, we should also reserve some furniture and appliances, house decoration fees, and various taxes and fees that need to be paid in the early stage of buying a house. If you are not qualified, you may be asked by the bank to increase the down payment.