1. What are the types of housing loans?
1, housing provident fund loans, only for employees who pay the provident fund on time; 2, personal housing commercial loans, the applicant must have a stable job, and good credit status; 3. Portfolio loan refers to the borrower's application for provident fund loan, but the loan funds are not enough to pay the house price, so he needs to apply for personal commercial loan from the bank. This kind of portfolio loan is called portfolio loan.
Second, what problems should I pay attention to when applying for a loan?
1, pay attention to the bank.
If you apply for personal commercial housing loans or portfolio loans to buy a house, you should pay special attention when choosing a bank. General developers will have several specialized cooperative banks. Owners can first compare their own interest rates and income requirements, and then choose the bank that suits them according to their actual situation. But if it is a provident fund loan, you don't need to choose a bank.
2. Pay attention to the loan amount.
Regarding loans, the higher the amount, the better, depending on the income of the borrower. Generally, if you apply for a loan in a bank, you need the applicant to submit a work certificate, and it is recommended to fill it out truthfully to ensure that the later repayment will not cause excessive economic pressure. If you don't apply in the bank, you should pay attention to your actual income and repay by installments, so as to ensure that your life will not be affected.
Editor's summary: Loans can reduce your economic pressure, but you should pay special attention when choosing loan types and banks, and you must choose the one that suits you according to your actual situation. What are the above types of housing loans and the problems that need attention when applying for loans are introduced here, hoping to help you. If you want to know more about it, please pay attention to Qijia.com.