Portfolio loan means that the borrower meets the conditions of personal housing commercial loan and pays the housing provident fund at the same time. While handling personal housing commercial loan, he can also apply for personal housing provident fund loan.

There are two ways to show portfolio loans in the credit report of the People's Bank of China. One way is to directly display portfolio loans with only one loan record;

The other is shown as provident fund loans and commercial loans respectively. * * * There are two loan records, but the examination and approval authority can judge whether it is a combined loan by the loan date, institution and amount.

If it is impossible to judge, the borrower can provide the original loan contract to prove it.