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. Generally speaking, portfolio loans can be used, mainly depending on whether the seller accepts the buyer's use of provident fund loans, because the current provident fund loans do have the problems of long process and slow lending. When the seller accepts the buyer's provident fund loan (whether it is a second-hand house individual seller or a first-hand house real estate developer) and the buyer meets the provident fund loan policy, both the first suite and the non-first suite can use the combined loan. In fact, the most common situation of using portfolio loans is that the amount of provident fund loans is insufficient, and commercial loans are needed to make up the difference.

Second, can you use portfolio loans to sell second-hand housing blank houses?

Whether you can use portfolio loans depends on the regulations of local banks and provident fund management centers, and it is not decided by buying first-hand houses or second-hand houses.

If the local loan policy of real estate supports portfolio loans, you can apply for loans no matter what house you buy, or you can apply for portfolio loans. On the contrary, if the local policy does not allow portfolio loans, then you will not get the loan.

Third, can you use the combination of housing provident fund and commercial loans to buy a house?

If you want to apply for a portfolio loan at China Merchants Bank, due to the different policies in different cities, it is recommended that you contact the local handling outlets or provident fund management centers by telephone to confirm whether the provident fund or portfolio loan business has been launched in your city and the relevant regulations (such as handling procedures, required materials, application conditions, audit standards, real estate requirements, amount and duration, etc.). ). (Reply time: 2065438+200865438+February 28th, please refer to the latest business changes announced by China Merchants Bank in official website).

4. Can I use a portfolio loan to buy the first suite (new house)?

It depends on local policies, because some places do not support portfolio loans, while others do.