Extended reading:
Portfolio loan means that borrowers who meet the requirements of personal housing commercial loans can apply for personal housing provident fund loans at the same time, that is, borrowers can apply for personal housing provident fund loans and personal housing commercial loans from banks at the same time with the purchased urban self-occupied housing (or other guarantee methods recognized by banks) 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 allocate them to the account of the sales 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.