Can the provident fund be unified between the state and the municipality directly under the central government? Does portfolio loan affect the amount of commercial loans because of provident fund loans? 1, you can use the municipal provident fund loan, and the national provident fund only needs to issue a deposit certificate.

2. Portfolio loan: the provident fund loan is approved first, and the commercial loan is approved after the provident fund loan is approved. The provident fund loan is based on the maximum loan amount for individual tax payment10.2 million, and the maximum loan for purchasing a second house is 800,000. Commercial loans are subject to the amount of provident fund loans, and the rest are commercial loans. If there are more provident fund loans, there will be fewer commercial loans, and if there are fewer provident fund loans, there will be more commercial loan departments.