Hybrid loans are portfolio loans. Portfolio loan refers to the borrower who meets the conditions of individual housing commercial loan and pays the housing provident fund at the same time. You can apply for housing provident fund loans while handling commercial loans, that is, the borrower can apply for housing provident fund loans and commercial loans from the bank at the same time with the purchased urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral.

To apply for a portfolio loan, the preliminary examination procedure is the same as that of a provident fund loan. After passing the 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 two loans are approved, the bank will transfer them to the account of the selling unit at the same time. 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.

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