What kind of housing loans do banks provide to consumers?

Housing loans provided by banks to consumers belong to consumer credit and bank credit.

2, from another category:

Housing loan belongs to consumer loan in a broad sense, if you mean housing mortgage loan. Housing mortgage (please note: not housing mortgage, housing mortgage also includes office buildings, shops and so on. ) is often listed separately because it is the largest business type of personal mortgage loan business of domestic banks, but its business attribute is still consumer loans.

Extended data

Personal loan business of domestic banks generally includes consumption and operation:

(1) Consumer loan

Loans are mainly used for personal and family consumption purposes, including: housing (first-hand houses, second-hand houses), automobiles (first-hand and second-hand cars), family housing decoration, and large-scale durable consumer goods (such as installing elevators in villas, family high-end video systems, and family high-end sports equipment). ), travel, medical care, study abroad and so on.

(2) Operating loans

Loans are mainly used for the business activities of individual ownership economic entities (companies and individual industrial and commercial households), that is, for production and consumption purposes, including raw material procurement and equipment investment. , sometimes simplified as capital turnover. The mortgage of shops and office buildings belongs to operating loans in a broad sense.

The varieties of personal loans of domestic commercial banks have experienced a development process from less to more. This is closely related to the diversification of social and economic activities, the gradual loosening of supervision and the acceleration of the marketization process of commercial banks (that is, banks are increasingly aware that they are industries and enterprises engaged in capital business). Traditional personal loan products are often named after loan purposes and guarantee methods, such as first-hand house mortgage, second-hand car mortgage, decoration loan, certificate of deposit/national debt pledge loan, personal stock pledge loan and so on. New personal loans are named after customer groups and product features (or marketing selling points), such as boss loans, business loans, salary loans, balloon loans, chamber of commerce loans and so on.