Loans can be portfolio loans. Portfolio loan means that the borrower meets the conditions of individual housing commercial loan in a bank and pays the housing provident fund at the same time. While handling commercial loans for individual housing, you can also apply to the bank for personal housing provident fund loans. That is, the borrower takes the purchased urban self-occupied housing in this city as collateral, and the bank issues personal housing loans to the same borrower at the same time to purchase the same set of self-occupied ordinary commodity housing, which is a general term for policy and commercial loan portfolios.

Matters needing attention in handling portfolio loans

1. Only provident fund depositors can apply for portfolio loans.

Commercial loans plus provident fund loans are portfolio loans, so if you want to buy a house through portfolio loans, you must ensure that you have paid enough provident fund for a long time, and that you need to meet the loan conditions of provident fund, and the provident fund account is still in a normal state of deposit.

2. Make full use of provident fund loans.

When buyers apply for portfolio loans, they should pay attention to using up the amount of provident fund loans and give priority to using provident fund loans. When handling portfolio loans, we should try our best to extend the loan term and shorten the commercial loan term, so as to reduce the monthly repayment amount and save the loan cost.

3. Repay commercial loans in advance.

Some buyers will have plans to repay in advance after buying a house with a loan, so when buyers have the idea of repaying in advance, then buyers should give priority to repaying the commercial loan when handling it. Don't worry about provident fund loans, because when you apply for loans, the interest rate of provident fund loans will be lower than that of commercial loans, so if commercial loans are paid off first, borrowers can save a lot of mortgage interest.

4. Determine the loan amount

When applying for a portfolio loan to buy a house, buyers must first determine what price they want to buy, so as to determine their own loan amount, because once the provident fund loan amount is determined, it cannot be changed. Therefore, when applying, buyers must go to the provident fund management center to inquire about the maximum loan amount and determine the final loan amount according to their own situation.