It has become the choice of many young people to calculate how much it will cost to borrow money to buy a house for your home decoration. Bank loans can usually be divided into consumer loans, commodity mortgage loans, credit loans and other different types. So what kind of loan do we apply for to buy a house? Next, Bian Xiao will briefly introduce it to you. 1. Housing loan is a commercial mortgage loan. Usually, it means that buyers usually mortgage their purchased houses or other collateral recognized by banks to banks to obtain loans. If the buyers can't repay the loan on time, the bank can dispose of the mortgage of the buyers to repay their losses. The buyer mortgaged the house to the bank. If the loan is not paid off, the buyers will not have complete property rights. He only has the right to use the house, so he can't put it on the market or mortgage it again. 2. Housing loans are mainly divided into three forms: housing provident fund loans, housing commercial loans and portfolio loans. Provident fund loans are only for those who have participated in the housing provident fund. The maximum amount of housing provident fund we apply for usually cannot exceed 70% of the total housing price, and different cities have different regulations on the maximum amount of housing provident fund. And the housing provident fund loan interest rate will be low. 3. Some people apply for insufficient provident fund loans, and if the house payment is insufficient, they will apply to the bank for housing commercial loans, which is a general term for provident fund loans and commercial loans. When we apply for portfolio loans, the term of provident fund loans and commercial loans should be the same, and the loan amount of both loans should not exceed 70% of the real estate. This kind of loan has complicated procedures. 4. The interest rate of housing commercial loans will be higher, but usually we can enjoy interest rate concessions when we apply for the first set of housing commercial loans in banks, and the preferential activities of different banks are different. Its program is also relatively simple. Bian Xiao concluded: Bian Xiao introduced what kind of loan mortgage belongs to here. I hope everyone will understand the housing loan after reading this article. Enter the area and get the decoration quotation for free. Enter the area and get the decoration quotation for free.

Second, buy a house and repay the loan by WeChat. Is this a financial product?

It is not a financial product. There are many kinds of wealth management products, including savings, bank wealth management, bonds, P2P, insurance, foreign exchange, gold, national debt and other fixed income. And equity categories such as stocks, partial stock funds and futures.

However, financial investment is risky and needs to be cautious. Individuals should choose specific financial products according to their risk tolerance and financial needs. Generally speaking, high income means high risk, and most financial products also require users to have certain professional financial knowledge, so don't blindly manage money.

If your house is just needed for living. That's not financial management. If buying a house is for real estate speculation, it is for making money. That's financial investment.

3. What kind of loan does the family housing loan belong to?

Commercial loans, provident fund loans, or both can be called portfolio loans, and banks are not allowed to use them now.

There are two ways to repay the mortgage: average capital and average capital.

4. What kind of loan does the housing loan belong to?

Calculate how much it will cost to decorate your home.

Housing loans have become many kinds of loans, which can usually be divided into consumer loans, commodity mortgage loans, credit loans and other different types. So what kind of loan do we apply for to buy a house? Next, Bian Xiao will briefly introduce it to you.

1. Housing loan is a commercial mortgage loan. It usually means that if buyers can't repay their losses by disposing of their mortgages on time, buyers will usually pay off the houses they have bought or other houses approved by banks. If the buyer mortgages the house to the bank, then the buyer does not have full property rights, he only has the right to use the house, so he can't put the house on the market for trading.

2. Housing loans are mainly divided into three forms: housing provident fund loans, housing commercial loans and portfolio loans. Provident fund loans are only for those who have participated in the housing provident fund. The maximum amount of housing provident fund we apply for is usually not 70%, and different cities have different regulations on the maximum amount of housing provident fund. And the housing provident fund loan interest rate will be low.

3. Some people apply for insufficient provident fund loans, and if the housing funds are insufficient, they will apply to the bank for housing funds and commercial loans. When we apply for portfolio loans, the amount of provident fund loans and commercial loans does not exceed 70% of the real estate.

4. The interest rate of commercial housing loans will be higher, but usually we can enjoy preferential interest rates when applying for the first set of commercial housing loans from banks, and the procedures between different banks are simpler.

Bian Xiao: I will introduce it here. Hope to read this article, big

Enter the area and get the decoration quotation for free.

Enter the area and get the decoration quotation for free.