At present, the state encourages provident fund loans. After 20 16, the interest rate of provident fund loans is only 3.25%. Some cities also offer discounts of 8-9%, which makes a lot of money. Due to the high proportion of temporary bank loans in the market, it is necessary to use the provident fund and the rest for investment.
Of course, you can apply for a portfolio loan from the provident fund loan. The loan amount is determined according to the deposit of the provident fund, the balance of the provident fund, the value of the house, the balance of commercial loans, the loan term, the loan status and other factors. If the loan amount actually enjoyed by the borrower is insufficient to fully repay the principal and interest of the original commercial loan, it shall be supplemented by self-raised funds.