1. Use provident funds wisely

Nowadays, many home buyers pay personal provident funds. If they can apply for provident funds to buy a house, home buyers can save a large part of the interest, but when buying a house Investors should be careful not to use provident funds before applying for a loan. If the borrower withdraws the provident fund balance before the loan is used to pay for the house, the provident fund balance on your provident fund account will be zero, and your provident fund loan limit will also be zero, which means that you will not be able to apply for a provident fund loan. . In addition, the provident fund can also be withdrawn to subsidize the down payment.

2. Choose the right bank

Usually, if you buy an off-plan house, the developer has a cooperative bank, and the home buyer cannot choose the lending bank by himself, but if you are buying an existing house, Or for second-hand houses, you can choose your own loan bank. Therefore, home buyers should make reasonable arrangements based on the house they choose. The more detailed the mortgage bank's service types, the more flexible and diverse the financial services available to borrowers. From a borrower's perspective, the more options you have, the better.

3. Act according to your ability

Buying a house is not a small matter. Home buyers can buy a house if they want, but they must pay attention to the choice based on their actual situation. When applying for a loan, you must make an objective and correct evaluation of your current financial strength and repayment ability, otherwise your future living standards will be affected. There are currently two basic repayment methods: the advantage of equal principal and interest is that the lender can accurately grasp the monthly repayment amount and arrange family expenses in a planned manner; the equal principal method is suitable for people with higher incomes because of its early Repayment pressure is high.

4. Pay attention to repaying on time

After applying for a loan, don’t take it lightly. After applying for a loan, you must repay on time. This means that the lender must agree on it every month. Pay attention to whether there are enough funds in your repayment account before the repayment date to prevent yourself from being fined by the bank for breach of contract due to your negligence. Never cause a loss of funds due to your own negligence and leave a bad credit in the bank. Record.