On June 8, candidates hugged the teacher outside the examination center of Wudang Middle School in Guiyang, Guizhou Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Tao Liang photo

On June 8, candidates walked out of the test center of Wudang Middle School in Guiyang, Guizhou Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Tao Liang photo

On June 8, candidates walked out of the test center of Wudang Middle School in Guiyang, Guizhou Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Tao Liang photo

On June 8, candidates walked out of the test center of Wudang Middle School in Guiyang, Guizhou Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Tao Liang photo

On June 8, candidates walked out of the test center of Wudang Middle School in Guiyang, Guizhou Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Tao Liang photo

On June 8, parents (front row, right) greeted the candidates who walked out of the examination room at the examination center of No.19 Middle School in Nanchang City, Jiangxi Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Vientiane photo

On June 8, candidates walked out of the examination center of No.19 Middle School in Nanchang City, Jiangxi Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Vientiane photo

On June 8, parents (front row, right) greeted the candidates who walked out of the examination room at the examination center of No.19 Middle School in Nanchang City, Jiangxi Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Vientiane photo

On June 8, candidates and parents celebrated at the test center of Weimin High School in Zhengzhou City, Henan Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Zhu Xiangshe

On June 8, candidates and parents hugged outside the test center of Weimin High School in Zhengzhou City, Henan Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Zhu Xiangshe

On June 8, parents of candidates waited outside the test center of No.2 Middle School (West Campus) in Hohhot, Inner Mongolia.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Behe photo

On June 8, candidates walked out of the examination room at the test center of No.2 Middle School (West Campus) in Hohhot, Inner Mongolia.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Behe photo

On June 8, at the test center of Yinchuan No.2 Middle School in Ningxia, the family sent flowers to the candidates.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Tang Rufeng photo

On June 8, candidates walked out of the test center of Yinchuan No.2 Middle School in Ningxia.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Tang Rufeng photo

On June 8, candidates walked out of the examination room at the examination center of No.14 Middle School in Lanzhou City, Gansu Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Ma Xiping photo

On June 8, outside the examination center of No.14 Middle School in Lanzhou City, Gansu Province, candidates and their parents took a group photo as a souvenir.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Ma Xiping photo

On June 8, at the test center of Xinmin Campus of Nanning No.2 Middle School, Guangxi, candidates walked out of the examination room after finishing the exam.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Liu Lingyi photo

On June 8, parents sent flowers to the candidates at the test center of Hefei No.8 Middle School in Anhui Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Han Xu photo

On June 8, at the test center of Hefei No.8 Middle School, Anhui Province, a candidate hugged his father after finishing the exam.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Han Xu photo

On June 8, at the test center of Hefei No.8 Middle School in Anhui Province, a candidate ran out of the examination room after the exam.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Han Xu photo

On June 8, a parent waited outside the test center of Hefei No.8 Middle School in Anhui Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Han Xu photo

On June 8, outside the test center of Swan Lake Campus of Hefei No.50 Middle School, Anhui Province, candidates and parents embraced.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Huang Bohan photo

On June 8, candidates and their families took pictures outside the test center of Swan Lake Campus of Hefei No.50 Middle School, Anhui Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Huang Bohan photo

On June 8, candidates and their families took pictures outside the test center of Swan Lake Campus of Hefei No.50 Middle School, Anhui Province.

On the same day, the 2021 college entrance examination ended in some parts of the country.

Xinhua News Agency reporter Huang Bohan photo

In today’s society, buying a house has become an important milestone in many people’s lives. However, for most property buyers, it is unrealistic to pay the full amount at one time, so loans have become the main way to buy a house. This paper will introduce the process and matters needing attention of loan processing in detail to help you better understand and prepare the loan application.

First, the preparatory work before the loan

Before applying for a loan, you need to make the following preparations:

1. credit ratingBanks or financial institutions will evaluate your repayment ability through your credit report. Make sure your credit history is good and avoid overdue repayment or arrears.

2. income statementProvide stable proof of work and income, such as payroll, tax bill or bank account, to prove that you have sufficient repayment ability.

3. Down payment preparationAccording to the current mortgage policy, buyers usually need to pay a certain percentage of down payment. Make sure you have enough down payment funds.

Second, choose the right loan products

There are many kinds of loan products in the market, including fixed interest rate loans, floating interest rate loans and portfolio loans. You need to choose the most suitable loan product according to your financial situation and repayment ability. The following are some common loan types and their characteristics:

Third, submit a loan application

After selecting a loan product, you need to submit a loan application to a bank or financial institution. During the application process, you need to provide the following materials:

1. Proof of identity: ID card, household registration book, etc.

2. income statement: Payrolls, tax bills, bank accounts, etc.

3. Proof of assets: real estate license, vehicle registration certificate, etc.

4. Purchase contract: the purchase contract signed with the seller.

IV. Loan Approval and Lending

After receiving your application materials, the bank or financial institution will conduct a detailed review. After the approval, you will get the loan approval and sign the loan contract. After the contract is signed, the bank will pay the seller the purchase price according to the contract, and you will start to repay according to the repayment plan agreed in the contract.

V. Matters needing attention in repayment

In the process of repayment, you need to pay attention to the following points:

1. Repay on time: Make sure to repay the loan on time every month to avoid default interest.

2. Pay attention to interest rate changesIf it is a floating interest rate loan, pay attention to the change of market interest rate and adjust the repayment plan in time.

3. Early repaymentIf you have the ability, you can consider repaying in advance to reduce interest expenses.

Through the above steps, you can successfully handle (000606) the house purchase loan and realize your dream of buying a house. In the whole process, keep good communication with banks or financial institutions to ensure the accuracy and timeliness of information.