1. housing provident fund loan: the borrower submits a written application to the housing provident fund management center of this municipality, fills in the application form for housing provident fund loan, and provides relevant materials; City housing provident fund management center after passing the examination, the borrower and the city housing provident fund management center signed relevant contracts or agreements, and handle insurance business according to the provisions of the people's Bank of China; City housing provident fund management center issued a notice to the bank to grant the borrower a loan, and the bank went through the loan formalities after receiving the loan notice.
2. Personal housing commercial loan: where the buyer and the housing developer have signed a pre-sale contract for commercial housing, paid more than 30% of the house price, and registered the pre-sale in the housing management department; The borrower takes the original contract to the bank to fill in the loan application and loan contract.
3. Personal housing portfolio loan is provident fund loan+commercial housing loan: when the provident fund loan is insufficient, apply for commercial housing loan.