There are four kinds of housing loans, namely provident fund loans, provident fund commercial portfolio loans, commercial loans and other types of loans. Among these loans, provident fund loans are the most cost-effective because of the relatively least interest.

What are the repayment methods for buying a house by loan?

1, repayment by installment. This repayment method is more suitable for young people.

2. Average capital repayment method. This repayment method is suitable for groups with higher income. The borrower can gradually reduce the repayment burden with the increase of repayment period. This repayment method is to allocate the principal to each month and pay off the interest between the previous repayment date and the current repayment date.

3. Equal principal and interest repayment method. This universal repayment method is suitable for people with stable income. Holding equal principal and interest means adding up the total principal and interest of mortgage loans and then sharing them equally every month during the repayment period.

4. Pay interest quarterly and monthly in one lump sum. One-time repayment of principal and interest refers to the repayment method of one-time repayment of loan interest and principal on the loan maturity date.

5. Refinancing. Mortgaging means that the new loan bank helps the customer find a guarantee company, pays off the money of the original loan bank, and then reapplies for a loan at the new loan bank.

There are several ways to buy a house with a loan.

There are three main ways to buy a house by loan, specifically:

1, commercial loan. This method is suitable for applicants who have not paid the housing provident fund, which is called mortgage loan. The commercial loan interest rates of major banks are obtained by floating adjustment on the basis of the central bank's benchmark interest rate. At the same time, the lender needs to provide collateral recognized by the bank for mortgage.

2. Provident fund loans. This method is suitable for applicants who pay housing provident fund, and their loan interest rate will be lower than that of commercial banks in the same period, and there will be corresponding preferential policies.

3. Portfolio loan. This method is suitable for applicants with insufficient housing accumulation fund, relatively moderate loan interest rate and large loan amount.