According to the different sources of loan funds, individual housing loans can be divided into: housing provident fund loans, commercial loans and portfolio loans. Housing provident fund loan is a loan issued by housing provident fund, which has the nature of mutual assistance and its loan interest rate is lower than that of commercial loans; Commercial loans are loans issued by lenders for profit; Portfolio loan means that the borrower applies for housing provident fund loans as much as possible and commercial loans for the insufficient part, that is, the loan amount consists of housing provident fund loans and commercial loans.