At present, mortgage loan for house purchase is widely used. Among them, commercial loans, housing provident fund loans and the combination of these two loans are popular and widely used. These loans have their own advantages and characteristics, and of course they also have disadvantages.

(1) housing provident fund loan. Let's talk about the advantages of housing provident fund loans: the loan interest is relatively low, and the transaction in the whole process of buying a house is relatively simple, which will be more flexible than other repayment methods. When repaying in advance, you can choose to repay in part or in whole, and you don't need to make an appointment or pay liquidated damages.

② Commercial loans. Commercial loans will be much higher than the loan amount and the loan time will be longer. Most families will choose a loan term of 30 years, which means that they can get the qualification to buy a house with little money, and there is no requirement for the nature of property rights, even for non-ordinary houses.

(3) portfolio loans, that is, apply for housing provident fund loans first, and make up the rest with commercial loans.