1. If the borrower's family purchases their own house for the first time, the down payment ratio for applying for the portfolio loan shall not be less than 3%;

2. The down payment ratio of the second suite shall not be less than 6%, and the interest rate shall rise by 1%.

As to whether it can be adjusted as you said, you have to consult your local provident fund management bureau before you know

The borrower applying for portfolio loan must meet the following conditions at the same time:

1. The housing provident fund management center in the management center or the city that signed a loan cooperation agreement with the management center has paid the housing provident fund in full and on time for more than 6 months and continued to pay it normally;

2. The purchased property is limited to the houses with the nature of state-owned land within the administrative area of this Municipality;

3. Have a legal and valid house purchase contract or property right certificate (existing house, second-hand house), and the house purchase contract must be filed and registered by the real estate transaction department, and the time to apply for a loan shall not exceed one year from the signing of the house purchase contract;

4. The development enterprise of the property purchased by the applicant has signed a property cooperation agreement with the guarantee company;

5. My spouse and I have no outstanding personal housing provident fund loans;

6. Other conditions stipulated by the management center or commercial bank.

If you have any questions about provident fund loans or portfolio loans, you can go to Caicai. com to find out.