At present, there are three kinds of loans for buying a house in Guangzhou or Foshan: provident fund loans; Commercial mortgage and portfolio loan. This is that the three loan methods have their own advantages and disadvantages, and there is no difference between good and bad or the most affordable way. Just choose different loan methods according to the situation of buyers. Some property buyers need to use commercial mortgages if they don't use the provident fund enough times or don't pay the provident fund; Some property buyers need a combination of provident fund loans and commercial loans because the total amount of provident fund loans is limited.