1 Personal housing loan (1) Personal housing commercial loan Personal housing commercial loan is a self-operated loan issued by bank credit funds and refers to a natural person with full civil capacity. When buying owner-occupied houses in cities and towns in this city, the property houses purchased by them are used as collateral. Commercial housing loans applied to banks as loan repayment guarantees (II) Personal housing provident fund loans Personal housing provident fund loans are entrusted loans issued by policy housing provident funds, which refer to housing provident fund loans that employees who pay housing provident fund apply to banks with their own property houses as loan repayment guarantees when they buy, build, renovate or overhaul their own houses in cities and towns of this city. (III) Personal Housing Portfolio Loan Where a borrower who meets the requirements for personal housing commercial loans pays housing provident fund at the same time, he can also apply for personal housing provident fund loans from the bank while handling personal housing commercial loans, that is, the borrower can purchase the urban self-occupied housing in this city as collateral, and at the same time apply for personal housing provident fund loans and personal housing commercial loans from the bank (the loan method is referred to as personal housing portfolio loans). 2. Corporate mortgage loan (1) Corporate loan target: industrial and commercial registration, well-run small and medium-sized enterprise customers; (2) Enterprise loan term: generally 1-5 years; (3) Enterprise loan amount: generally 500,000 ~ 1 100 million yuan; Basic requirements: (1) held and issued by China People's Bank. (2) The registered business of the company is over 1 year, and the annual turnover in the latest year is over 3 million. The comprehensive interest rate and expenses are generally between 8%- 14%. 3. Trust mortgage trust loan means that the trustee accepts the entrustment of the client and issues the loan according to the object, purpose, term, interest rate and amount specified by the client (or in the trust plan), and the financier takes the real estate mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18% per year.