Type of housing loan: n 1. Housing loan Personal housing loan refers to a loan issued by a bank to a borrower for purchasing an ordinary house for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. N 2。 Self-operated loan n Personal housing self-operated loan is a loan issued to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. N three. Portfolio loan n Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.

There are several kinds of housing loans.

At present, housing loans are mainly divided into three types, namely commercial loans, housing provident fund loans and portfolio loans. If the buyer has paid the housing provident fund, it is recommended to choose the housing provident fund loan when buying a house, because the loan interest rate of the housing provident fund is the lowest among the three loan methods.

What is the process of applying for housing loan?

1. Get ready in advance. First of all, you should meet your own loan conditions, so that you can approve it. There is a lot of work to be done in the early stage. The owner negotiates the house price with the developer, including the building area, unit price and room number. If you need a loan, you should pay a down payment, usually 30%-40% of the total house price, and then sign a house purchase contract with the owner. Then the developer will ask you to prepare the relevant materials of commercial loans, which generally include: ID card, household registration book, marriage certificate/single certificate, bank card, income certificate, bank card flow, down payment bill, etc.

2. Check credit. Credit is a person's credit, and banks with good credit will grant loans. Then the developer will agree with the bank on the interview time. Some bank employees will be stationed in the sales department, and some customers will go to the bank for face-to-face signing. Before the face-to-face signing, the bank staff will review the customer's qualifications and first inquire about the personal credit report. If there is a bad record that exceeds the bank's regulations, the bank will directly refuse the visa. If the credit is passed, the basic information of the customer, including work and income, will also be reviewed. If there is no problem, you will directly sign various forms and materials and so on. If not, it will only be a preliminary inspection. When the bank employees go back, they will report these materials to the branch or sub-branch, and they will not be fully approved until the approval of the superior bank is completed.

3. Filing, mortgage and loan is a very complicated process, and it will take some time for approval. After the approval of the bank, the developer will file the purchase contract in the real estate management department, which will take about one week to complete the filing, and will give the owner a formal purchase contract and a copy to the bank. Then the bank will take the customer's relevant information to the real estate office for mortgage registration, that is, mortgage the customer's house to the bank. About a week later, the real estate registration certificate will be issued, which means that the house is officially mortgaged to the bank. Then the bank will issue loans after receiving these information, and the loans will be directly entrusted and remitted to the developer's account.

When the formalities are handed over to the borrower, many materials and forms will be submitted when applying for a loan, and not all of them are left in the bank. The bank will hand over the signed mortgage contract, repayment schedule and payment voucher. Give it to the customer and the mortgage loan will be completed. Generally, the monthly payment will be made next month, and this must be returned on time, otherwise a bad record will be formed, and in serious cases, the house will be directly repurchased or enforced.

What are the forms of housing loans?

* * * There are two kinds of loans, provident fund loans and commercial loans.

personal housing accumulation fund loan

Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.

Personal housing commercial loan

1. Personal housing loan refers to the loan that the borrower gives to the bank with the purchased house as collateral, including the mortgage loan of forward house and the mortgage loan of existing house.

2. Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.

3. Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.

4. Personal family consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year.

5. Personal commercial housing loans refer to loans issued by banks to borrowers for purchasing personal self-operated commercial housing and self-occupied office housing. The purchased commercial house shall be an existing house, with the highest proportion not exceeding 60% and the longest loan period not exceeding 10 year.

6. Personal housing portfolio loans refer to loans composed of housing provident fund loans and housing secured loans, that is, when individuals apply for housing provident fund loans to pay the purchase price, the insufficient part applies to the bank for commercial housing loans.

Extended data:

According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.

Matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that because the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.

The repayment method of equal principal is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large amount of principal in the early stage, the amount of repayment in the early stage is large, and then it is decreasing every month. The advantage of this method is that the early repayment amount is large, which reduces interest expenses and is more suitable for families with strong repayment ability.