Portfolio loan means that part of the loan is commercial loan and part is provident fund loan. If the house you buy is 2 million yuan, then the 70% loan is 6.5438+0.4 million yuan, and the provident fund loan has an upper limit. If the provident fund management center in your city stipulates that the upper limit is 400,000 yuan, then you have to borrow another 6,543,800 yuan through commercial loans, which is a portfolio loan. There is also a provision that one spouse has provident fund and can borrow 300,000 yuan, and both spouses have provident fund and can borrow 400,000 yuan. Yes, when applying for provident fund, they will provide two people's provident fund deposit accounts, no matter which bank they deposit. How much is the loan according to the sum of the deposits of husband and wife!