1. Personal housing provident fund loan: this is a preferential loan granted by the housing provident fund management center to the depositors of housing provident fund who purchase, build, renovate or overhaul their own houses or raise funds for cooperative housing.

2. Personal housing provident fund portfolio loan: Personal housing provident fund portfolio loan mainly refers to that when the housing provident fund loan amount is insufficient to pay the house purchase price of the provident fund depositor, the borrower can apply for a commercial personal housing loan from the entrusted bank at the same time, and the two parts of the loan together constitute a portfolio loan. Among them, the housing provident fund loan in the portfolio loan is approved by the management center, and the commercial loan is approved by the entrusted bank.

3. Individual housing provident fund replacement portfolio loan: This kind of loan refers to that after the bank issues commercial housing loans to borrowers (employees who have paid housing provident fund) with bank funds, the entrusted bank applies for provident fund loans to the provident fund management center on behalf of the borrowers. It should be noted here that the borrower's provident fund loan amount should be controlled within its basic provident fund loan amount, which should not exceed 70% of the commercial housing loan amount, and its basic provident fund loan period must be shorter than the commercial housing loan period 1 year or more.