1. Personal housing commercial loan: This is the loan method that most people choose. The threshold for this kind of loan is relatively low. As long as the balance of deposits in the loan bank accounts for more than 30% of the funds needed for housing purchase, and the funds are used as the down payment for housing purchase, and units or individuals with sufficient compensation ability can apply for personal housing commercial loans.

2. Housing provident fund loans: For those who have already paid the housing provident fund, they can choose low-interest housing provident fund loans when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is relatively low, which is relatively cost-effective.

3. Personal housing portfolio loan: Personal housing portfolio loan refers to the purchase of housing that exceeds the maximum amount of provident fund loans, and then the insufficient part applies to the bank for commercial housing loans. These two ways are combined to form a personal housing portfolio loan, with moderate interest rate and large loan amount, which is the first choice for many buyers.

Matters needing attention in housing loan

1, apply for a mortgage and do what you can.

Some people think that the bigger the loan, the better, but this is not the case. Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.

2. Prepare loan information in advance.

No matter what kind of loan, you need a copy of ID card, household registration book, marriage certificate or single certificate, academic certificate, income certificate and bank account, purchase contract and down payment invoice, social security related certificates and other materials. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.

3. Clear the repayment method in advance.

At present, there are two main repayment methods for bank loans to buy a house, namely equal principal and interest and average principal. Although there is little interest in the average capital, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.

4. Repay in full and on time.

After obtaining the loan, the borrower must repay the loan in full and on time in accordance with the provisions of the loan contract, so as not to leave a bad credit record and cause unnecessary trouble. According to the relevant regulations of bank loans, the prepayment part should be repaid after 1 year, and the amount returned should exceed the repayment amount of 6 months.