The housing loan is as follows: 1. Housing provident fund loans for residents who have already participated in the payment of housing provident fund, it is best to choose low-interest housing provident fund loans when buying a house. Housing provident fund loans enjoy the nature of policy subsidies, so the loan interest rate will be relatively low, not only lower than the commercial bank loan interest rate (only half of the commercial bank mortgage interest rate), but also lower than the commercial bank deposit interest rate in the same period. In other words, there are some differences between the housing provident fund mortgage interest rate and the bank deposit interest rate. It is understood that housing provident fund loans are halved when handling mortgage and insurance related procedures. 2. Personal housing commercial loans Individuals who have not paid housing provident fund cannot use housing provident fund loans, and there are other options, that is, asking commercial banks to guarantee personal housing loans, which is commonly referred to as bank mortgage loans. If the balance of deposit in the loan bank accounts for not less than 30% of the funds needed for house purchase, and the down payment is 30%, and the assets recognized by the loan bank are used as a certain mortgage or pledge, or the unit or individual with sufficient compensatory ability is used as the guarantor to repay the loan principal and interest, and at the same time bear joint and several liabilities, you can apply for a mortgage loan from the bank. 3. Personal housing portfolio loan The housing provident fund management center can issue provident fund loans with a maximum amount of1-290,000 yuan. If the purchase price exceeds this amount, the insufficient part can apply to the bank for commercial housing loans. The interest rate of this kind of loan is also moderate and most people can accept it.