A portfolio loan can repay the commercial part in advance, but the portfolio loan involves two institutions, so the borrower is free to choose to repay any type of loan first. Provident fund centers and banks in various places will have their own corresponding regulations. Moreover, when a person applying for a combination loan repays in advance, the provident fund loan and the commercial loan must maintain a certain ratio, and they cannot only repay one of them. If this is the case, it will be impossible to repay the commercial loan in advance.

In the process of using a combination loan to buy a house, if you plan to repay it early, you should give priority to repaying the commercial loan part, because the interest rate of provident fund loans is lower than that of commercial loans. If you pay off the commercial loan first, then repay it. Provident fund loans will save you more money.