Personal housing loan business is one of the main asset businesses of commercial banks. He refers to the loans granted by commercial banks to borrowers who buy houses for the first time (that is, houses developed and built by real estate developers or other qualified developers and sold to individuals).
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.
(3) Personal housing portfolio loan refers to the 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.
Loan type
Personal housing loan refers to a loan granted by a bank to a natural person who buys a house for his own use.
At present, individual housing loans generally include entrusted loans, self-operated loans and portfolio loans.
1. Entrusted loans for individual housing refer to loans granted by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits.
2. Personal housing self-operated loans are loans issued to individual buyers from the sources of bank credit funds.
3. Personal housing portfolio loans refer to loans issued by housing provident fund deposits and credit funds to individuals who purchase the same set of ordinary housing for their own use. It is a combination of personal housing entrusted loans and self-operated loans.
Personal housing loan refers to a loan granted by a bank to a natural person who buys a house for his own use.
At present, individual housing loans generally include entrusted loans, self-operated loans and portfolio loans.
1. Entrusted loans for individual housing refer to loans granted by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits.
2. Personal housing self-operated loans are loans issued to individual buyers from the sources of bank credit funds.
3. Personal housing portfolio loans refer to loans issued by housing provident fund deposits and credit funds to individuals who purchase the same set of ordinary housing for their own use. It is a combination of personal housing entrusted loans and self-operated loans.