1. If there is not enough real estate or assets as collateral after applying for portfolio loan, you can entrust a local authoritative guarantee company to come forward as a guarantee to apply for a loan from the bank.

Two, the so-called guarantee company, must have a formal business license and approved by the housing provident fund management center department can accept the commission. Otherwise, please don't take risks, it should involve real estate transactions and financial mortgages, so be careful.

Third, under the entrustment of the guarantee company, after the application for portfolio loan is completed, the repayment must be made on time and in quantity. On the premise of hopeless dunning, the guarantee company has the right to blacklist it on the grounds of bad credit in order to reduce the loan risk.