If provident fund loans are issued first and then commercial loans are issued, and some commercial banks issue commercial loans first, the application for portfolio loans is the same as provident fund loans. After passing the preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank.

After the two loans are approved, the bank will transfer them to the account of the selling unit at the same time. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented.

If you purchase commercial housing and affordable housing with expanded information (with property right certificate) and mortgage the purchased housing, you should hold the borrower's ID card, original prepayment receipt, seal, loan contract and mortgage contract, fill out the Tianjin Housing Application Registration Form and affix the seal of the borrower (mortgagor) and loan bank (mortgagee), and then go to the real estate management department where the house is located to handle the housing ownership certificate.

If the borrower mortgages the house by auction (without obtaining the property right certificate), he shall apply for the Tianjin real estate mortgage certificate with the above materials to the property right management office of the county real estate administration where the house is located.

Baidu encyclopedia-portfolio loan