The difference between portfolio loans and commercial loans is that the interest of the former is lower than that of the latter. Under normal circumstances, portfolio loans are composed of provident fund and commercial loans. Besides the maximum loan amount, the loan amount of provident fund is also limited by the deposit period and balance of individual provident fund. In this regard, some people will be forced to choose portfolio loans because the amount of provident fund is not enough, and some people will choose commercial loans because there is no provident fund.

At the level of our loan, the loan conditions of commercial loans are much less than those of portfolio loans, because it only requires good personal credit and no bad credit record. The most obvious problem of portfolio loan is that it needs to meet the conditions of both commercial loan and provident fund loan. Therefore, if we use portfolio loans for loans, we also need to ensure that individual provident fund accounts must be paid in full and continuously within the first six months from the loan date. In addition, non-ordinary houses such as villas and non-residential buildings such as commercial and residential buildings are also unable to use portfolio loans.

To sum up, this is the difference between portfolio loans and commercial loans.