With the rising housing prices, housing loans have become the choice of most people. However, the loan is not a trivial matter after all, and must be fully considered. However, many property buyers often ignore some precautions when applying for loans to buy a house. So, what do you need to pay attention to when buying a house loan? Let's take a look together.

First, don't use the provident fund before applying for a loan.

According to the policy, employees who have paid the provident fund in full and on time for six months can apply for housing provident fund loans when buying a house (the local policies are slightly different, subject to the new local policies). If the borrower takes the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in the provident fund account is zero, and the amount of the provident fund loan is zero, which means that you will not apply for a provident fund loan, so don't use the provident fund before applying for a loan.

2. Do not apply for prepayment if the loan is less than one year.

According to the relevant provisions of provident fund loans, the repayment amount should be in advance after 1 year repayment, and the repayment amount should exceed the repayment amount of 6 months. Therefore, if the loan you apply for is less than one year, don't apply for prepayment, because if you apply, the bank will charge more liquidated damages.

Third, don't be too reluctant when repayment is difficult.

When your ability to repay debts declines during the loan period and you have difficulty in repaying loans, don't insist on it yourself. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept your application for extending the loan period. However, according to the regulations, the loan term can only be changed once.

Four, after the loan is settled, the mortgage cancellation procedures will not be handled.

Many mortgage customers think that everything will be fine when the loan is settled. In fact, you are missing one step, which is to go through the mortgage cancellation procedures. If you don't cancel the mortgage, the house will still be mortgaged in the bank and you can't dispose of the house at will, so don't forget to cancel the mortgage.

Five, don't lose the loan contract and IOUs.

To apply for a mortgage loan, the loan contract signed between the bank and you and the receipt are all important legal documents. As the loan period can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs, and read the terms of the contracts carefully to understand your rights and obligations.