Portfolio loans can use off-plan properties as collateral. The specific process is as follows:

1. Go to the lending bank to apply for a loan. The borrower should apply for a housing provident fund loan at the CCB Real Estate Credit Department in each district or county with a copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card, and seal, and fill out the "Personal Housing Provident Fund Loan Application Form."

2. Bank review. The lending bank will assess whether the borrower meets the loan conditions based on the information provided by the borrower, calculate the loan amount, and determine the loan term.

3. Go to the lending bank to sign a loan contract. After the lending bank reviews the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (a pledge contract is signed without a house guarantee).

4. Go to the property rights department to handle the loan guarantee procedures. There are two guarantee methods for housing provident fund loans (combination loans), and borrowers can choose either one according to their actual situation.

5. Bank lending.

Combined loans refer to borrowers who meet the conditions for personal housing commercial loans and also pay housing provident funds, that is, the borrower purchases a self-occupied house in the city's urban area (or other bank-approved guarantee methods ) can be used as a mortgage to apply for a personal housing provident fund loan and a personal housing commercial loan from the bank at the same time.

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