Housing provident fund can be combined with loans. As long as the provident fund has been continuously deposited for more than 6 months, you can borrow money in multiples of the balance of the provident fund account, and the insufficient part can be mortgaged to the bank. This is a combination loan. In addition to mortgage, banks can deduct provident fund loans every month. Housing provident fund portfolio loan is a combination of housing provident fund loan and housing commercial loan. The application for individual housing portfolio loans must comply with the provisions of the housing provident fund management department and commercial banks on individual housing loans.

I. Portfolio loan

Borrowers who meet the conditions of commercial loans for individual housing and pay the housing provident fund at the same time can also apply for personal housing provident fund loans while handling commercial loans for individual housing, that is, borrowers can apply for both personal housing provident fund loans and personal housing commercial loans with the urban self-occupied housing purchased in this city (or other guarantee methods recognized by banks) as collateral. That is, provident fund loans and commercial loans are used at the same time. Generally, it is only used when personal loans exceed the maximum amount of provident fund loans stipulated by the local government. For example, buying a high-end house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum amount of provident fund loans is 400,000 yuan.

Second, the housing accumulation fund.

Portfolio loan is a combination of housing provident fund loan and housing commercial loan. If the loan amount of workers' housing provident fund cannot meet the needs and is lower than 80% of the purchased house price, they can apply for personal housing commercial loans, and the total amount of the two loans does not exceed 80% of the house price. Only employees who have paid the provident fund can apply for portfolio loans. The application for individual housing portfolio loans must comply with the provisions of the housing provident fund management department on provident fund loans and the provisions of commercial banks on individual housing loans. The basic conditions should be: having legal status; Workers who pay housing provident fund in full and on time.

To sum up, employees who apply for housing provident fund loans can't meet the needs of buying houses, and at the same time, they can apply for personal housing commercial loans, and the total amount of the two loans does not exceed 80% of the house price. Only employees who have paid the provident fund can apply for portfolio loans.