At present, there are mainly the following types of loans to buy a house: 1, housing provident fund loans; 2. Personal housing commercial loans; 3. Individual housing portfolio loans. So how to get a loan to buy a house in Shanghai? 1. Housing provident fund loan: 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 (only half of the mortgage interest rate of commercial banks), 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 bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half. 2. Personal housing commercial loan: If the housing accumulation fund is not paid, you can apply for a personal housing guarantee loan from a commercial bank, that is, a bank mortgage loan. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment for house purchase, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan. 3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 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. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose. Personal housing entrusted loans (provident fund loans) have the highest cost performance, and personal housing loans (commercial loans) have the heaviest interest burden. If customers apply for commercial loans when buying individual housing, such as individual housing mortgage loans, individual housing transfer loans, individual re-trading housing loans, etc. At that time, for various reasons, I did not apply for a "provident fund" loan to buy a house. Now the personal provident fund has reached the prescribed number of years and quota, which is in line with the conditions for applying for provident fund housing loans. Although commercial banks can't convert commercial loans to provident fund housing loans at present, they can withdraw provident fund to repay the principal and interest of commercial loans. As long as the borrower applies to the provident fund management center and goes through the relevant procedures for withdrawing the provident fund, he can withdraw the provident fund and return the principal and interest of the individual housing loan. The above are the loan methods for buying a house in Shanghai, among which individual housing entrusted loan (provident fund loan) has the highest cost performance.