Housing loan has become one of the main ways for people to buy a house. Generally speaking, loans are issued through banks. Generally, banks are state-owned enterprises and national financial institutions, and their security is relatively strong. There are many forms of loans, including provident fund loans, portfolio loans and commercial loans. Then, can you combine loans about buying a house? First, can a portfolio loan buy a house? Yes Specific procedures can consult the loan bank and provident fund management center. Portfolio loan application: the first trial procedure for applying for portfolio loan is the same as that for provident fund loan; After preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank; After the approval of the two loans is completed, the bank will transfer them to the account of the selling unit; In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented. Second, the loan speed of provident fund loans: 2-3 months loan amount: the requirements vary from place to place, please consult the local housing provident fund management center for details. At present, the maximum personal loan in Beijing is 6.5438+0.2 million yuan. For families who pay housing provident fund in Shanghai, the maximum personal loan for the first suite is 500,000 yuan, the maximum personal loan for Guangzhou provident fund is 600,000 yuan, and the maximum personal loan for Shenzhen provident fund is 500,000 yuan. Loan interest rate: 2.75% for less than 5 years and 3.25% for more than 5 years. Loan Term: The longest loan term of the borrower can be calculated until the borrower is 70 years old, and the down payment is no more than 30 years: the down payment for the first suite below 90 square meters is 20%. Loan requirements: Take Beijing as an example. (1) Purchase policy housing loan: 1. Establish housing provident fund account > = 12 months, 2. Housing provident fund should be paid in full for 6 months before applying for a loan. 3. When applying for a loan, it is in the state of payment. (2) Purchase of non-policy housing: 1. Housing provident fund should be paid in full for 6 months before applying for a loan. 2. When applying for a loan, it is in the state of payment. The application conditions for provident fund loans vary from place to place. Please consult your local provident fund management center for details. Lending speed of commercial loans: when handling commercial mortgage loans, it takes almost two weeks from giving the property certificate to the bank for mortgage to lending, and the progress of different banks may be different. Loan amount: loanable amount = repayment ability of family's monthly income after deducting living expenses and other expenses/monthly repayment amount per 10,000 yuan of corresponding loan years, such as monthly income 1 1,000 yuan, monthly living expenses of 3,000 yuan, loan for 20 years, and benchmark interest rate of 4.90%. The monthly repayment amount of a loan 1 0,000 yuan calculated by the 360 mortgage calculator is 53.07 loanable amount =( 1 0,000-3,000)/53.07 =13,654.38+0.9 million yuan loan interest rate: the current benchmark interest rate is 4. At the same time, the down payment shall not exceed 30 years: 30% of the total house price. Loan requirements: A down payment of a specified proportion (generally 30% or more of the total house price) has been paid. Third, the lending speed of portfolio loans: the loan amount of 2-3 months or more: for example, the total house price is 6,543.8+0,000, and a loan of 700,000 is needed, but the maximum amount of provident fund is only 500,000, and the remaining 200,000 can choose commercial loans. The total loan amount of portfolio loans shall not exceed 700,000 yuan, and the loan interest rate: commercial individual housing loans in loans shall be subject to the individual housing loan interest rate, and provident fund loans shall be subject to the individual housing provident fund loan interest rate. Loan term: commercial individual housing loans are implemented according to the commercial loan term, and provident fund loans are implemented according to the individual housing provident fund loan term. Down payment amount: the loan requirement is 30% of the down payment of commercial loans: it meets the application conditions of both provident fund loans and commercial loans, and is generally only used when personal loans exceed the local maximum amount of provident fund loans. Can I buy a house with a portfolio loan? Buying a house can also be borrowed from a bank in the form of portfolio loans. Portfolio loan is not a single way for buyers to borrow money. For example, if a person wants to buy a house, he can use the provident fund loan, but the amount is only 500 thousand, and it still needs money to use commercial loans. This is a portfolio loan.