1, the biggest advantage of portfolio loan is to save interest for buyers. The loan is 2 million yuan, the monthly payment of pure commercial loans is 13 165.99 yuan, and the monthly payment of combined loans is 1238 1.06 yuan, which is 784.93 yuan less than that of commercial loans. The total interest of commercial loans is 1,159,838.09 yuan, and the total interest of combined loans is 97 1 453.58 yuan, with the difference of188,384.5438+0 yuan. Using portfolio loans can save you the interest on buying your own house.

2. Judging from the loan approval time, the bank can approve the loan within 5-7 days after the borrower completes the formalities. After the transfer, the buyer and the seller complete the mortgage registration, and the bank can lend money within 1 week after seeing the certificate of other rights. Therefore, from the perspective of loan approval and lending time, commercial loans have obvious advantages over portfolio loans, and the processing speed is faster than housing loans. Although commercial loans are handled quickly, the cost of loans is also high.

3. From a comprehensive comparison, portfolio loans and commercial loans have their own advantages and disadvantages. Buyers need to consult relevant loan service agencies according to their own conditions, and then make corresponding strategies after finding out their own loan situation, so as to save the down payment and interest.