1. Housing provident fund loan. For residents who have already paid the housing provident fund, this is the most economical and effective. When buying a house with a loan, low-interest loans from housing provident fund should be given priority. That's because housing provident fund loans not only have the nature of policy subsidies, but also have low loan interest rates, which are lower than the loan interest rates of commercial banks in the same period, and more importantly, lower than the deposit interest rates of commercial banks in the same period.

2. Personal housing commercial loans. Is this form very common? In fact, it is also a helpless move. As the name implies, we are. Apply to commercial banks for personal housing secured loans, that is, bank mortgage loans. But it means we have to pay more interest. Commercial loans seem simple. In fact, the balance of deposit in the loan bank should not be less than 30% of the funds needed for house purchase, and should be used as the down payment for house purchase. Other conditions are also indispensable, and there are assets recognized by the lending bank as collateral or pledge to mortgage the loan.

3. Individual housing portfolio loans. Portfolio loan, as its name implies, is a combination of provident fund loan and commercial loan. Actually, it is not common in life. However, if the purchase price is too high, and the housing provident fund loan that can be issued by the housing provident fund management center is generally1-290,000 yuan, it is far from enough at that time, and the insufficient part will be applied to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank.