1. Personal housing commercial loan: If the balance of deposit in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment of house purchase, and the assets recognized by the loan bank are used as collateral or pledge, or the unit or individual with sufficient compensatory ability is used as the guarantor to repay the loan principal and interest and bear joint liability, you can apply for a bank mortgage loan.

2. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply 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. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

3. Housing provident fund loans: Housing provident fund loans are policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the deposit interest rate of the bank. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.