1. Purchase provident fund: Since the interest on buying a house through provident fund loans is relatively low when both husband and wife pay provident fund, the interest on loans will be relatively low when buying a house, which is more cost-effective. However, it should be noted that only after paying off the first home provident fund loan can you apply for the second home provident fund loan.

2. Buy separately before marriage: Because when buying separately before marriage, it belongs to personal pre-marital property, and the interest of individuals buying the first suite is less than that of the second suite, which can also avoid the increase in interest on buying a house after marriage.