Second, choose a good loan bank for mortgage: for borrowers, they can choose their own loan bank to buy existing houses or second-hand houses. The more and more sophisticated services provided by mortgage banks, the more flexible and diverse personal financial services you will get, as well as a rich service and product portfolio. From the perspective of citizens, there is no doubt that the more choices citizens have, the better;
Third, choose the repayment method that suits you best: At present, there are basically two repayment methods for personal housing loans: one is the equal repayment method, and the other is the equal principal repayment method. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to repay a large amount at the initial stage of repayment to reduce interest expenses;
Four, the information provided to the bank should be true: to apply for personal housing commercial loans, banks generally require borrowers to provide proof of economic income. For individuals, the true personal occupation, position and recent economic income should be provided. Because if your income doesn't reach a certain level and you don't have enough repayment ability, but you exaggerate your income level, you are likely to default at the initial stage of repayment, and it is confirmed by bank investigation that you have provided false certificates, which will greatly reduce the bank's trust in you, thus affecting your loan application;
5. Provide my address accurately and promptly. If the address provided by the borrower to the bank is accurate, the bank will contact you conveniently and receive the repayment notice from the bank on time every month. When the People's Bank of China adjusts the loan interest rate, you can receive the interest rate adjustment notice from the bank at the beginning of the year. In addition, it is especially important to remind borrowers that when moving to a new house, they must inform the loan bank of their new contact address and contact information in time;
6. Repay on time every month to avoid penalty interest. For borrowers, before the agreed repayment date every month, they should pay attention to whether there are enough funds in their repayment accounts, avoid being punished by the bank for their negligence, and never lose money because of their negligence, while leaving a bad credit record in the bank.