Portfolio loan is simply provident fund loan plus commercial loan. Needless to say, the part of the provident fund loan that provides additional guarantee is generally the housing mortgage. Borrowers who meet the conditions of personal housing commercial loans and pay housing provident fund at the same time can also apply for personal housing provident fund loans while handling personal housing commercial loans. So, what is the repayment method of portfolio loan? Repayment method of portfolio loan: 1 Portfolio loan cannot be repaid together because the two loan methods adopt different repayment methods. You need to set up two separate accounts, and these two parts are lent separately. The provident fund loan part adopts the free repayment method, and the commercial loan part adopts the repayment method confirmed by the commercial bank. Part of the provident fund can be repaid freely, and a lower repayment amount can be set every month, but the monthly payment must be greater than this amount. If there is enough money in the provident fund account, you can sign the monthly transfer repayment service. The part of commercial loan is average capital and equal principal and interest. Commercial loans can automatically deduct the money in the bound repayment account on a monthly basis. At the same time, in portfolio loans, the loan terms of provident fund loans and commercial loans must be consistent. Loans are a great benefit to property buyers. House prices soared, and the total price of the house was amazing. Therefore, buying a house by loan is the first choice of many people now, but the repayment method of combined loans has become a point of entanglement. The above is the arrangement of portfolio loan repayment in this paper, and I hope it will help everyone.