Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. Individual housing provident fund loans (individual housing provident fund loans) are entrusted loans issued by policy housing provident fund. It is a loan applied to the fund management center by employees who pay the housing provident fund to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and be guaranteed by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center. In order to further promote the commercialization and socialization of housing, the main target of housing provident fund distribution has shifted from housing development enterprises to ordinary residents.