Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. Borrowers apply for individual housing? A guarantee must be provided when making a loan. At present, personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.

Personal housing portfolio loan

Refers to the loan issued to the same borrower from the housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and white camp loans. In addition, there are housing savings loans and mortgage loans.

(2) individual housing entrusted loans

Refers to the loan that the bank entrusts the housing provident fund management department to issue to individuals who purchase ordinary housing according to the requirements of the Regulations, with the housing provident fund deposits as the source of funds, also known as provident fund loans.

(3) Personal housing loans

It is a loan to individual property buyers based on bank credit funds. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

Second, what conditions do you need to borrow money from the bank to buy a house?

1. Agree to use the purchased house as mortgage guarantee.

2. The borrower's age plus loan period shall not exceed that of male? 65? Age, no better than women? 60? Years old.

3. Have full capacity for civil conduct; Have permanent residence or valid residence status in China.

You must pay a down payment of not less than a certain percentage of the total price of the house purchased.

5. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan.

6. A house purchase contract or agreement has been signed.