Buying a house by loan is generally divided into several steps: first, personal credit directly affects the bank's evaluation of the borrower's repayment ability. At present, credit files mainly include: credit cards, real estate mortgage loans and other types of loans. Two, the income certificate is generally issued by the borrower's unit income certificate. Generally speaking, banks will require income to be twice the monthly payment. Large deposits, bonds and real estate can also be used as proof of income. Third, pay attention to the loan period, buy a house, and the loan period does not exceed 30 years; For the purchase of commercial housing, the longest loan period shall not exceed 10 year; The borrower's age plus the loan period shall not exceed 70 years at the longest. Fourth, pay attention to the choice of banks. Different banks have different preferential loan rules. V. Selection of repayment methods Bank repayment methods are mainly divided into two ways: equal principal and interest repayment method and average capital method.