Personal housing portfolio loan refers to a commercial housing loan that an individual applies to a bank when the housing provident fund loan is insufficient to cover the cost of buying a house. Apply for individual housing portfolio loans, must comply with the provisions of the housing provident fund management department on provident fund loans and commercial housing loans.

To apply for a personal housing portfolio loan, the borrower should first apply to a commercial bank and provide relevant certification materials;

Commercial banks apply for provident fund loans from provident fund trustee banks on behalf of borrowers on the basis of relevant supporting materials of payers;

Upon examination, the entrusted bank of the provident fund promises the borrower the loanable amount and term of the provident fund loan in writing, and informs the commercial bank at the same time;

After examination, the commercial bank promised the borrower the amount and duration of commercial loans in writing.