The so-called "portfolio loan" means that the borrower needs to use provident fund loans, but also loans together with commercial loans, that is, the borrower can go to the bank to handle provident fund and commercial loans through his own house. Simply put, it is necessary to apply for both individual housing provident fund loans and individual housing provident fund loans. For example, a customer wants to mortgage 800,000 yuan, but his provident fund loan amount is only 600,000 yuan, and the remaining 200,000 yuan can be loaned.

Of course, the premise of applying for a portfolio loan is that the customer must be qualified for commercial loans, have housing provident fund and meet the conditions for housing provident fund loans (usually, the housing provident fund needs to be paid continuously for 6 months, and the provident fund account is in a normal state). Customers who have not paid the provident fund cannot make portfolio loans, but can only buy them through commercial loans.

Matters needing attention in handling portfolio loan when buying a house

1. Only provident fund depositors can apply for portfolio loans. Commercial loans and provident fund loans are both portfolio loans, so when you plan to use portfolio loans, you must ensure that your bank deposits and bank deposits are normal.

2. Make full use of the bank's provident fund. When applying for loans, buyers should pay attention to using up the amount of provident fund and give priority to the use of provident fund. When making a loan, they should extend the loan term as much as possible, reduce the monthly repayment amount and save the loan cost.

3. Repay in advance, and repay the company loan first. Some people will pay back the money in advance after borrowing money to buy a house. If they have the idea of paying back the money in advance, they should first consider commercial loans instead of provident fund when handling loans, because the interest rate of mortgage loans is lower than that of commercial loans. If you can repay the bank first, you can save a lot of interest.

4. Determine the loan amount. When buying a house, buyers must first determine what kind of housing they want to buy, so that they can decide their loan amount according to their actual situation.