Portfolio loan refers to that borrowers who meet the requirements of personal housing commercial loans can apply for personal housing provident fund loans at the same time, that is, borrowers can apply for personal housing provident fund loans and personal housing commercial loans from banks at the same time with the purchased urban self-occupied housing (or other guarantee methods recognized by banks) as collateral. Generally speaking, portfolio loans can be used, which mainly depends 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, the combined loan can be used for both the first suite and the non-first suite. 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 I use the portfolio loan to sell the second-hand housing blank?

Whether portfolio loans can be used depends on the regulations of local banks and provident fund management centers, not by buying first-hand 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 can't get this loan.

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

If you want to apply for portfolio loan in 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 when buying the first suite (new house)?

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