Pure housing mortgage loans applied by property buyers to banks or other financial institutions are all provided by commercial banks, and interest is calculated at the commercial loan interest rate.

Property buyers can choose portfolio loans when they meet the conditions of provident fund loans and commercial loans. In this case, part of the loan comes from provident fund loan (with low interest rate) and the other part comes from commercial loan. For example, in China, if the amount of provident fund loans for property buyers is not enough to pay all the house payment, the rest can be supplemented by commercial loans.

What kind of loan form is specific, according to the personal situation of buyers and the loan scheme chosen.