I usually pay part of the money in advance or pay the full amount directly when buying a house. If I buy a house with a loan, then the loan expires and I can't apply for an extension. Maturity repayment is a credit principle that must be observed, and it is also a prerequisite for banks to speed up the turnover of credit funds. In case of special circumstances, it is really impossible to repay the loan on time, and an application should be made to explain the situation. After the approval of the bank, the repayment time can be extended, but the repayment procedures need to be handled again, otherwise it will be handled in loans overdue. Under normal circumstances, apply to the loan bank for extension 30 working days in advance. The loan extension shall not be lower than the original loan conditions: the short-term loan extension shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years. During the performance of the original contract, if the borrower fails to repay the loan on schedule according to the original repayment plan, he may submit a written application to the loan bank to extend the loan term. After the loan bank agrees, he will sign an individual housing loan deferred repayment agreement and go through the relevant formalities, and the guarantor will sign an deferred repayment agreement at the same time.