Yes, portfolio loans are calculated separately, and the provident fund of portfolio loans and the provident fund of banks are repaid separately. Because provident fund loans and ordinary commercial loans are two independent accounts, you need to repay them separately. Provident fund repayment can be based on the minimum repayment amount, but the monthly payment must be greater than this amount. In other words, the repayment of provident fund can have a longer repayment period, so the monthly repayment amount is still relatively small. Commercial loans include two repayment methods: average capital and equal principal and interest. The monthly repayment amount of commercial loans should be relatively large, so it is necessary to pay attention not to be overdue and repay in full and on time. At the same time, in portfolio loans, the loan terms of provident fund loans and commercial loans must be consistent.

What are the reasons why portfolio loans are not good?

1. Portfolio loans require that the loan interest rate and down payment of commercial loans and provident fund loans should meet their own requirements and the loan life should be consistent.

2. Portfolio loans can only be handled if the applicant meets the conditions of both provident fund loans and commercial loans.

3. Because portfolio loans are a combination of provident fund loans and commercial loans, there are many institutions involved, the procedures are complicated, and the cycle is naturally longer.

4. Portfolio loans generally have restrictions on handling banks. In order to avoid risks, portfolio loans must be handled in the same bank.

What is the process of handling portfolio loans?

Apply for a portfolio loan from the loan bank: the borrower shall provide relevant certificates and fill in the Application for Personal Housing Provident Fund Loan (Portfolio Loan).

1. Bank audit: The lending bank evaluates whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term according to the information provided by the borrower.

2. Signing a loan contract at the loan bank: After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (signing a pledge contract without housing guarantee).

3. Go to the property right department to handle the loan guarantee procedures: there are two ways to handle the housing provident fund loan (portfolio loan), and the borrower can choose either one according to his actual situation.

4. Handling housing mortgage insurance procedures: After the borrower has completed the mortgage or pledge procedures in the property right department, he will submit the loan materials together with the loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate to the loan bank for home insurance procedures.

5. Sign repayment agreement and transfer money: If repayment is made by withholding savings card, the borrower shall apply for withholding savings card repayment at all savings outlets of CCB and sign a withholding agreement with the lending bank. Where the entrusting unit withholds repayment, the entrusting unit shall sign an agreement with the loan bank.

6. Bank transfer: The borrower goes to the loan bank to handle the collection formalities according to the time agreed with the loan bank, and the loan bank transfers the money to the house selling unit; The borrower shall withdraw the repair and construction loan as agreed in the loan contract.