Many people will use provident fund loans when buying a house. If the amount is not enough, they can use commercial loans. The combination of these two loans is a portfolio loan. Then why did you go to the bank to apply for a portfolio loan and get rejected?

First of all, it should be clear that "portfolio loan" is a legal loan model, but not every bank can accept portfolio loan, and not everyone can use portfolio loan. Because portfolio loans involve banks and provident fund management centers, the procedures are very complicated, and it takes a long time to apply for provident fund, so banks will spend more energy, so some banks cannot accept portfolio loans.

Portfolio loans take a long time, and some developers also express a headache. If the bank designated by the developer can't accept portfolio loans, there is no way.