Usually, when buyers apply for portfolio loans, they all use the same property as collateral, so the banks that handle commercial loans and housing provident fund loans must be the same. Since most banks handling provident fund loans are cooperative banks designated by the provident fund management department, they must also go to the same bank when repaying.

The loan term of portfolio loans must comply with the provisions of provident fund management and commercial banks, and the longest loan term is 30 years. The repayment method is divided into two parts, of which the provident fund loan part adopts the free repayment method, and the commercial loan part adopts the repayment method approved by the commercial bank.