The monthly salary of portfolio loan repayment is calculated separately, that is, the monthly salary of commercial loan and provident fund loan is calculated separately and merged into the repayment amount of the borrower in the current month. Therefore, there is no order in the repayment of portfolio loans. Borrowers of portfolio loans can choose the repayment method of equal principal and interest or average capital. Among them, the repayment method of housing provident fund and personal housing loan of commercial banks should be the same.
When buyers apply for portfolio loans, they use the same real estate as collateral. According to the regulations, the banks that handle commercial loans and housing provident fund loans must be the same bank, so they should also go to the same bank when repaying loans.