There are three varieties:

(1) Accumulation fund mortgage loans. Home buyers that have accumulation fund savings can apply for accumulation fund loans by pledging the unit they have purchased
(2) Commercial mortgage loans. Home buyers can apply for commercial loans by pledging the unit they have purchased if they meet bank requirements
(3) Combined mortgage loans. Home buyers can apply for both accumulation fund loans and commercial loans at the same time by pledging the unit they have purchased