The entrusted bank bears the loan risk. According to official website, the municipal housing provident fund management center, the risks of individual housing provident fund loans are borne by the entrusted banks. Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.