1. There is a guarantee fee for the portfolio loan part of the provident fund commercial loan portfolio, because when you apply for the housing provident fund loan application (including portfolio loan), you need to mortgage your house to the guarantee company first, and then apply for housing loans from the housing provident fund management center and commercial banks respectively. Guarantee companies charge guarantee fees according to the sum of housing provident fund loans and portfolio loans.

2. Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While handling personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can apply for personal housing provident fund loan and personal housing commercial loan at the same time with the purchased urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral.