Introduction of loan purchase types
Housing provident fund loans, for residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period, but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the deposit interest rate of the bank.
Personal housing commercial loans, the above two loan methods are limited to employees who have paid housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.
Personal housing portfolio loans, housing provident fund loans issued by the housing provident fund management center, the maximum amount is generally 10 to 290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans, which can be handled by the bank's real estate credit department.