Before the decision made on buying a property, the buyer should start to assess your own financial position, loan repayment ability and the necessary financial arrangement.

When choosing a bank or financial institution for loans, below items should be considered:
- The property valuation and the mortgage amount offered
- The repayment term, number of installments and the amount of each installment
- The criteria for determining interest rates
- The date for implementing interest rate adjustments
- The issues arising from debts in installments/interest rates
- The early redemption penalties and the notice period
- Mortgage handling fees, legal fees, insurance fees, charges for the valuation report, etc.

During the installment period, request the bank or financial institution for a schedule of repayment, stating:
- The outstanding amount of the loan
- The amount of each installment
- The number of outstanding installments
- The respective amounts of principle and interest