1, provident fund loan:

Loans based on the housing provident fund paid by employees, the main body of which is the housing provident fund center.

Features: low interest rate, long procedures and long approval time.

2. Commercial loans:

Housing commercial loans are self-operated loans issued by banks with their credit funds.

Features: high interest rate, short approval time and unlimited loan amount.

3. Portfolio loan:

When the housing accumulation fund applied by an individual is insufficient to pay for the house purchase, the insufficient part shall apply to the bank for housing commercial loans.

Provident fund loan conditions:

1. Have permanent residence in cities and towns and participate in the payment of housing provident fund.

2. The continuous deposit time of the provident fund is not less than 6 months, and it is in the state of deposit when applying for a loan.

3. The borrower's family has no outstanding housing provident fund debt, or has paid off for two years.

Commercial loan terms:

1. Has a valid ID card.

2. Provide proof of income and assets, and have no bad credit record.

Portfolio loan conditions:

At the same time, it meets the conditions of provident fund loans and commercial loans.

Noun explanation:

The first loan: take the family as the unit (husband and wife and minor children), and there is no outstanding loan record in the name.

The second set of loans: take the family as the unit (husband and wife and minor children) and have a set of outstanding loan records under their names.

Three sets of loans: take the family as the unit (husband and wife and minor children), and there are two sets of outstanding loan records in the name.

House age: the house age from the date of completion.

Term of loan: the term of applying for a loan.

(The above answers were published on 20 16-06- 15. Please refer to the actual situation for the current purchase policy. )

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