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一、住房公积金贷款此项贷款利率比较低,仅为商业银行同期抵押贷款利率的一半,并低于商业银行同期存款利率。同时,住房公积金贷款在办理抵押和保险等有关手续时收费减半。但此项贷款有如下限制:一是仅限于缴纳了住房公积金的单位员工使用;二是必须备齐购房所需资金30%以上的首期付款;三是贷款最高额度不得超过借款家庭成员退休年龄内所缴纳住房公积金数额的2倍。二、个人住房组合贷款所谓个人住房组合贷款,就是
First, the housing provident fund loans The loan interest rate is relatively low, only half of the commercial bank mortgage interest rates over the same period, and lower than the commercial bank deposit interest rates over the same period. At the same time, housing provident fund loans in the handling of mortgage and insurance and other related formalities halved. However, this loan has the following limitations: First, it is limited to the employees who have paid the housing provident fund; second, they must pay off the down payment of over 30% of the funds required for the purchase; and third, the maximum amount of the loan can not exceed the retirement age of borrowing family members Within the housing fund to pay the amount of 2 times. Second, personal housing portfolio loans The so-called personal housing portfolio loans, that is