Hello! Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.

That is, provident fund loans and commercial loans are used at the same time. Generally, it is only used when personal loans exceed the maximum amount of provident fund loans stipulated by the local government. For example, buying a high-end house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum amount of provident fund loans is 400,000 yuan. In this case, the remaining 654.38 million yuan is used for commercial loans, and the interest cannot enjoy the interest of provident fund loans.