In fact, the commercial credit of commercial banks is also a commodity, and its credit forms are various, each with its own merits. So, what types of personal housing loans do you know? Personal housing provident fund loan is a kind of loan applied to the fund management center for the purchase and construction of self-occupied houses (including second-hand houses) in this city, with self-owned houses as collateral and companies with guarantee ability as guarantee. The loan can be completed through the bank designated by the fund management center.

Personal mortgage loan

1. "Personal housing loan" refers to the loan provided by the borrower to the bank with the purchased house as collateral, which is divided into term loan and demand loan.

2. Personal second-hand residential loan: a sum of money issued by the bank to the borrower to buy a new house. In this kind of houses, second-hand houses refer to houses that have obtained all property rights and can freely circulate in the secondary real estate market. The age of the second house is generally within 15 years; The sum of loan time and house age is usually within 25 years.

3. Personal housing renovation loans: loans provided by banks to borrowers for personal housing renovation. 50% at most, five years at most.

4. Personal housing consumption credit: housing consumption credit provided by banks to borrowers. The maximum amount of mortgage loan is 50% of the value of mortgaged assets, and the longest loan term is 10 year.

5. Personal commercial housing loans: loans provided by banks to borrowers for individuals to purchase their own commercial housing or office space. The purchased commercial housing must be an existing house, the down payment ratio should not exceed 60%, and the loan time should not exceed 10 year.

6. "Personal housing portfolio loans": one is housing provident fund loans, and the other is housing mortgage loans, that is, when housing provident fund loans cannot meet the demand for housing purchases, the remaining funds are used to propose commercial housing loans to banks.