Hello, the so-called portfolio loan is a combination of provident fund loans and commercial loans, so the portfolio loan is also the sum of provident fund loans and commercial loans when calculating the quota, that is, portfolio loans = provident fund loans+commercial loans.

It should be noted that portfolio loans are a combination of provident fund loans and commercial loans, and the proportion of commercial loans is relatively high. It is recommended to borrow more provident fund loans and less commercial loans.

I hope my answer is helpful to you.