1, commercial loans, loans issued by commercial banks. The characteristic is that the loan amount is relatively high, but the corresponding loan interest rate is also high. You need to issue an income certificate to the bank to prove that your monthly income is more than twice the monthly payment.

2, provident fund loans, commissioned by the local housing provident fund management center for commercial banks. The characteristic is that the loan amount is limited by the provident fund and the maximum amount of your deposit, but the interest rate is much lower than that of commercial banks.

3. Portfolio loan is a bundled application of commercial loan and provident fund loan, which is characterized by the loan amount and interest rate between commercial loan and provident fund loan. At present, the benchmark interest rate for commercial loans is 4.9%, and the interest rate for provident fund loans is 3.25%. In practice, banks will increase or decrease by percentage.