Now not only can you apply for commercial loans, but individuals can also use provident fund loans to buy a house by paying provident fund, even if there is no so-called "job".

If you use provident fund loans, you must pay them back after a certain period of time, usually more than one year. The interest rate and down payment standard of provident fund loans are relatively lower than those of commercial loans, but the processing time is longer.

LZ can also apply for commercial housing loans in major commercial banks. Now the country is tightening monetary policy, and mortgage restrictions are strengthened. But as long as the conditions of LZ are good, it is not difficult to get commercial loans, such as your income is relatively stable and high, personal credit is relatively good and so on.

Major banks have different auditing standards for personal commercial mortgage business, some of which are relatively loose, and the down payment and interest rate will also fluctuate within the scope allowed by the state.

LZ can choose the appropriate mortgage method according to its own actual situation.