What does it mean to repay the principal and interest of the house purchase loan? Repaying the principal and interest of the house purchase loan means that the buyer withdraws the deposit from the bank account when buying a house to repay the interest owed. Under normal circumstances, if you want to withdraw the balance from the account, you must check it by the subordinate unit and issue the corresponding withdrawal voucher. During this period, the purchaser must hold relevant information to the real estate management bureau for extraction procedures.

What should I pay attention to when repaying bank loans? 1. Pay attention to repayment methods: There are two repayment methods now, but many people don't pay attention to it when they apply for loans, and even don't know their repayment methods when they repay. Matching principal and interest repayment, that is, monthly repayment, that is, total principal and total interest, and then evenly distributed monthly. "Equal payment" is also common in banks. It is a common repayment method, which is more suitable for people with relatively high income but expected future income decline.

2. Pay attention to the monthly repayment amount: Generally speaking, the loan amount will change with the reduction of the principal, so buyers should pay attention to the monthly repayment amount. Some people think that to repay the mortgage every month, you just need to deposit your monthly deposit into your own deposit account. In addition, we should also pay attention to whether the benchmark interest rate of banks has changed. If the bank's benchmark interest rate changes, the monthly interest rate will change accordingly. So, sometimes, a month's mortgage will increase. If you are not prepared to pay back, then you will be regarded as in arrears.

3. Be cautious about prepayment: I think most people will think of prepayment, but not everyone can. The current mortgage interest rate is very high, and there is an upward trend, so many people will choose to repay the loan in advance to avoid high interest rates. But you have to understand that if the loan expires within one year, then you must pay the penalty, so you can't continue the loan.

4. Beware of default: Credit is very important nowadays. Once the mortgage is off, it will have a great impact on your credit. No matter what problems you encounter, you can't stop lending without funds, because the bank will severely punish you. If you don't repay the loan within six months, the bank will auction your property, and you will not only lose your reputation, but also your house.

The above is the answer to what is the repayment of principal and interest of housing loans and related questions. I hope my answer will satisfy you and provide some ideas for your question.