1, the loan amount should be moderate: although the minimum down payment is stipulated, if the conditions are not good, don't force it, because the repayment period is very long, try not to put yourself under too much economic pressure, otherwise it will have an impact on life.

2. Choose an appropriate repayment method: At present, there are repayment methods of average capital and equal principal and interest. If the economic conditions are relatively comfortable when buying a house, you can choose the average capital, and the economic pressure will be less in the later period. However, if the funds are tight, you can choose equal principal and interest.

3. Provide true information: As banks issue loans based on the information provided by borrowers, some people may falsify their income certificates in order to obtain more loans. This is absolutely unacceptable and will be blacklisted once verified.

4. Make good use of the provident fund: the provident fund is the welfare provided by the enterprise to employees, so when applying for a loan, you should make good use of the housing provident fund, but you must pay attention to the fact that it is best not to touch the money in the account before the loan, otherwise it may affect the loan.