Calculate the amount of the loan before lending. The down payment is not included in the loan amount and paid in advance. Generally speaking, the higher the down payment ratio, the shorter the payment cycle and the lower the monthly pressure. All the house payment MINUS the down payment is the basic loan amount, in addition to deed tax, value-added tax and other taxes.

2. Choose a good loan bank for mortgage.

With the development of the real estate market, many banks have developed housing loan products. Property buyers can shop around to see which policy is more favorable and more suitable for them, and choose the right loan bank according to the actual situation.

3. Choose the correct return method.

Generally speaking, there are two repayment methods: one is equal principal and interest, and the other is average principal. These two methods have their own advantages and disadvantages. Lenders need to choose the appropriate repayment method according to their actual situation.

The information provided to the bank should be true.

When a property buyer applies for a bank loan, the bank will generally ask the lender to provide the corresponding proof of economic income. Property buyers should provide true proof of personal work, position and recent economic income. If the lender provides false certification materials, this will lead to the bank's trust in you decreasing and affect the loan.

What is the difference between average capital and equal principal and interest?

First, the monthly repayment amount is different.

1, the average monthly repayment amount of capital is different, showing a state of decreasing month by month; It divides the loan principal equally according to the total repayment months, plus the interest of the remaining principal in the previous period, thus forming the monthly repayment amount. Therefore, the initial repayment amount of the average capital method is large, and then it will decrease month by month, and the less the more.

2. Matching principal and interest means the same monthly repayment amount. In essence, the proportion of principal increases month by month, the proportion of interest decreases month by month, and the number of monthly repayments remains unchanged. That is to say, in the "principal and interest" distribution ratio of monthly payment, the proportion of interest repaid in the first half is large, and the proportion of principal is small, and it gradually turns into a small proportion of principal and interest after the repayment period is over half.

Second, it is suitable for different people.

1. average capital repayment method is suitable for borrowers who have a certain economic foundation, can bear heavy repayment pressure in the early stage and have an early repayment plan.

2. The repayment method of equal principal and interest is convenient to arrange income and expenditure because it pays the same amount every month, which is suitable for borrowers whose income is relatively stable because economic conditions do not allow excessive investment in early repayment.

3. Which is suitable for prepayment, average capital or equal principal and interest?

It is obviously more appropriate to pay more principal and less interest in the early stage of average capital.

In the monthly repayment of equal principal and interest in the previous period, the principal is less and the interest is more, which is not suitable for early repayment.