First, we should flexibly use the method of paying part of the deposit. Use a "preliminary agreement" to book a set or even several auction houses you like on the drawings. Because it is not a formal "house purchase contract", the developer only requires the booking person to pay a deposit ranging from/kloc-0 to 30,000 yuan per set. If you give up these deposits before signing the formal house purchase contract, the deposit will be returned to you in full. I think if we can use this little interest (generally not counting deposits)

Second, on the premise of choosing the right developer, choose a one-time payment method, pay within the last few days of the payment period, and try to leave 5- 10% of the outstanding balance. For property buyers, although buying faster houses has certain risks, as long as you choose a very formal, powerful and reputable developer, there is almost no risk. If the one-time payment method is chosen again, the developer will give a discount ranging from 40- 100 yuan per square meter. In addition, one-time payment has the following advantages:

(1) Because the term of one-time payment is generally around 1 month, the payment in the morning and evening is the same, so you might as well take out the deposit or loan later and use the funds in the last few days of the payment period;

(2) For one-time payment, most developers also allow buyers to keep 5-8% of the outstanding balance, which can only be paid in full when the key is delivered after the auction is completed. You might as well do some public relations and try to leave more outstanding balance. One-time payment is more cost-effective, and its "profit" spread is larger.

Third, it is necessary to scientifically use the financing and payment methods of certificates of deposit and treasury bonds pledged loans. Of course, the purchase price must be paid by self-owned funds such as deposits and treasury bonds first, but the problem is that many time deposits and treasury bonds held by many residents were deposited during the high interest rate period in the early years. If they are withdrawn in advance, they will cause greater interest losses. How to avoid interest loss? At this time, you may wish to apply for a mortgage loan from the bank with a certificate of deposit (including voucher-type government bonds) for short-term financing.

Fourth, you can apply for personal housing provident fund and bank housing mortgage loan financing payment. If there is still a certain funding gap when using your own funds to pay, you can apply for personal housing loans from the bank at this time, but you should pay attention to the following two points:

(1) scientifically select mortgage varieties according to the loan possibility. Judging from the loan interest rate, the interest rate of "individual housing provident fund loan" is the most favorable, followed by the interest rate of "bank individual housing mortgage loan". Provident fund loans have the advantages of low loan interest rate, reduced loan-related fees, and combined use of family members' provident fund loans. Therefore, as long as employees pay the provident fund in full and on time, they should first apply for the provident fund loan with the largest amount and the longest term that they can get. For individuals who cannot apply for "personal housing provident fund loans" because they have not paid the provident fund, they can apply for a certain amount and term of "bank personal housing mortgage loans" with the purchased faster as collateral or with units and natural persons with sufficient compensation capacity as collateral.

(2) According to whether to repay the loan in advance in the future, scientifically choose the monthly repayment method. At present, banks mainly provide "equal principal and interest repayment method" and "equal principal and interest repayment method". Therefore, if you don't plan to repay in advance in the future, you will choose the repayment method in the next month, which will reduce the total interest expense of the loan.