At present, there are mainly the following types of loans for house purchase: 1. Housing provident fund loans; 2. Personal housing commercial loans; 3. Personal housing portfolio loans.

Everyone is familiar with housing provident fund loans. As long as the employer pays it to you, we can use it when buying a house.

Personal housing commercial loan repayment is divided into two repayment methods: equal principal and equal principal and interest; the repayment amount of equal principal is gradually reduced, which is a decreasing repayment method. It is relatively low and is suitable for people who currently have a certain amount of savings but whose job is not stable; the repayment method of equal principal and interest has the same monthly repayment amount and higher interest, which is suitable for those who have stable jobs.

Personal housing portfolio loan: Provident fund loan that can be issued by the housing provident fund management center. The maximum limit is generally 300,000-1 million yuan (subject to local policies). If the purchase price exceeds this limit, the shortfall must be paid to the housing provident fund management center. Apply for a commercial housing loan from a bank. Together, these two loans are called a portfolio loan. This business can be handled uniformly by the real estate credit department of a bank. Portfolio loans have moderate interest rates and larger loan amounts, so they are often chosen by borrowers.