1. **The loan line needs to be scaled up**

When applying for housing loans, you need to carefully assess your economic strength and your ability to repay. At the same time, they must make reasonable projections of their future income and expenditure. That way you can make sure that the amount of the loan you choose is within your reach, without any pressure on future repayments。

2. **Stability of work**

Most banks require a stable job and a reasonable income for a mortgage applicant, which is an important condition for guaranteeing repayment capacity. If you change your job more frequently before applying for a mortgage, the bank may have doubts about your income stability, leading to the rejection of the loan。

3. ** Avoidance of use of the Provident Fund**

The Provident Fund is very helpful in applying for mortgages. If you make frequent use of the Provident Fund for consumption in the near future, the account balance may be insufficient, affecting the level of the loan. It would therefore be preferable not to use the Provident Fund for half-year to one year of mortgage processing。

4. ** Prepayment is not appropriate**

Some wanted to pay in advance as soon as they had sufficient funds on hand, but banks had regulations to do so. Normally, an advance payment may be requested only after one year of repayment and a one-time payment of at least six months。

#1T#

1.** Bank formalities**

First of all, you have to go to the loan bank to take the appropriate action, obtain the house and have it stamped with a stamp indicating that the loan has been repaid。

2. **Registration of written-off mortgages**

The owner of the property is required to bring his or her certificate, the original identity card and the property certificate to the local property authority to register the cancellation of the mortgage。

3.** Identity cards of other co-owners**

If the property certificate contains the names of other co-owners, it requires the presence of at least one proprietor, with the original identity card of the other co-owners。

#1T# CONCLUSION

The application for a mortgage is linked to personal information. In order to ensure that the loan has been granted successfully, you need to maintain a good credit record and follow the above-mentioned attention。