Provident fund loans: At present, personal housing provident fund loans have more restrictions on people in Taiwan Province Province: according to regulations, the main body of provident fund deposit is employees of various enterprises and institutions, excluding foreigners, Hong Kong, Macao and Taiwan employees; And you need to pay in full for six months before you can apply for a housing provident fund loan.

Commercial loans: People in Taiwan Province Province are exposed to more personal housing commercial loans. After signing the pre-sale contract or letter of intent and paying the down payment, you can apply to the bank. According to the current real estate policy, the down payment ratio of the loan to buy the first suite should not exceed 30%; The down payment ratio of the loan to purchase the second suite shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate. However, it is very difficult for people in Taiwan Province province to buy a second suite, because Shanghai and other big cities have adopted the regulation that people who are not registered in this city can buy a second suite to meet certain conditions.

The mortgage loan can reach up to 70% of the market value of the house purchased, and the loan period is up to 30 years, and the sum of the borrower's age and loan period does not exceed 70 years. For example, in addition to the above requirements, the Construction Bank also stipulates that borrowers must have self-raised funds of more than 30% of the total price of purchased houses. For the purchase of self-occupied housing with a construction area of less than 90 square meters, the proportion of self-raised funds is 20%, and the loan guarantee is used to pay the down payment of the purchased housing.