What are the ways to buy a house by loan?

Due to the sharp rise in housing prices, many people choose loans when buying a house, only need to make up enough down payment, and at the same time, the pressure is less. But for many people who buy a house for the first time, it is inevitable that the way to buy a house loan is unclear. The following small series briefly introduces several ways of buying a house loan, which I believe will bring you different views.

There are several ways to buy a house with a loan.

1, housing provident fund loan

At present, many companies will pay five insurances and one gold for their employees, and the so-called one gold refers to the provident fund. For residents who have already paid the housing provident fund, low-interest loans for housing provident fund should be given priority when buying a house with loans. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period, but also lower than the deposit interest rate of commercial banks in the same period.

2. Personal housing commercial loans

Of course, for those who have not paid the provident fund, when buying a house, it is recommended to apply to a commercial bank for a personal housing guarantee loan, that is, a bank mortgage loan. As long as 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 for house purchase, and the assets recognized by the loan bank are used as collateral or pledge to mortgage the loan.

3. Individual housing portfolio loans

Generally speaking, the maximum amount of the provident fund is 6.5438+10,000 to 290,000 yuan, so if you exceed this amount when buying a house, the insufficient part needs to apply for a commercial housing loan from the bank. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank.

What are the steps of buying a house loan?

First of all, property buyers need to meet certain conditions. Generally speaking, the down payment ratio will vary according to the number of houses owned by buyers and loan records. In addition, the down payment ratio of the first suite in the city is mostly 30%. Buyers can consult local banks in advance. Of course, before applying for a commercial loan, the materials should be prepared as much as possible to avoid wasting time in the application process. These materials mainly include ID card, household registration book, income certificate for half a year and running water certificate.

Summary: Well, the above is the introduction of several ways to buy a house loan. I hope I can give you some help. I believe that in the process of understanding several ways of housing loans, friends will be more handy and get their own satisfactory answers.