Type of housing loan: \n 1. Housing loan \n Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for self-use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. \n two. Self-operated loan \n Personal housing self-operated loan is a loan issued to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. \n three. Portfolio loan \n Personal housing portfolio loan refers to a loan issued by housing provident fund deposits and credit funds to the same borrower for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.