Personal housing commercial loans can be roughly divided into six types:

(1) Personal housing loan (including forward house and existing house);

(2) Personal second-hand housing loans;

(3) individual housing renovation loans;

(4) Personal housing consumption loans;

(five) personal commercial housing loans;

(6) individual housing portfolio loans;

Personal housing loan refers to the loan issued by the bank against the house purchased by the borrower, including forward mortgage loan and existing home mortgage loan.

Under normal circumstances, the maximum amount of personal housing loans issued by banks is 80% of the purchase amount. The next 20% needs to be solved by the buyers themselves, which is what we usually call down payment.

Legal basis:

Measures for the administration of urban real estate mortgage

Twenty-fifth real estate mortgage, mortgage parties shall sign a written mortgage contract.

Article 26 A real estate mortgage contract shall include the following main contents:

1. Names and domiciles of mortgagor and mortgagee;

2. The type and amount of principal creditor's rights;

3. The location, name, condition, construction area, land area and four dimensions of the mortgaged real estate;

Fourth, the value of mortgaged real estate;

Five, the mortgage real estate occupation manager, occupation management mode, occupation management responsibility and the responsibility of accidental damage and loss;

6. The time limit for the debtor to perform the debt;

7. Conditions for the loss of mortgage;

Eight. Liability for breach of contract;

9. Dispute settlement methods;

X. Time and place of conclusion of mortgage contract;