The application terms for commercial loans and provident fund loans must be the same. In combination loans, the loan terms, borrowing dates and repayment dates of provident fund loans and commercial loans can be different, but with different interest rates.

Application method:

① To apply for a portfolio loan, the preliminary review procedures are the same as those for provident fund loans;

② After passing the preliminary review, the borrower can go to the bank to handle other procedures for provident fund loans. When applying for a commercial loan, you must fill in the loan application form for the commercial loan part and go through the relevant procedures in accordance with the bank's requirements;

③ After the approval of the two parts of the loan is completed, the bank will allocate it to the account of the house seller at the same time;

④ In combination loans, the loan terms, borrowing dates and repayment dates of provident fund loans and commercial loans can be different, but with different interest rates.