When the loanable amount of the provident fund loan is not enough to pay for the purchase of housing, employees can apply for commercial housing loans from the entrusted bank at the same time, and the entrusted bank will issue them in the form of combined loans. (Provident fund loans in portfolio loans are consistent with commercial loan banks).

Note: Regarding whether your city will carry out provident fund or portfolio loan business and related regulations, it is suggested that you directly contact the personal loan department of the local China Merchants Bank for consultation and confirmation.