Xiaomei has a house, but the combination of provident fund and commercial loans is correct. According to relevant public information, Xiaomei can buy a house through a portfolio loan (provident fund loan+commercial loan). Portfolio loan refers to the combination of provident fund loans and commercial loans for the purchase of housing. This kind of loan can make the lender benefit from the advantages of both: the interest rate of provident fund loans is good, but the amount is small. Commercial loans are higher, but the interest rate is higher. To sum up, portfolio loan is an effective choice for Xiaomei to buy a house.