Yes.

If the provident fund loan amount applied for by the home buyer is not enough to pay for the house, the remaining house payment can be made up with a commercial loan. This loan model is also known as "combination loan". However, when applying for a portfolio loan, borrowers should pay attention to the following points:

1. Not everyone can apply for a portfolio loan

A portfolio loan is only suitable for those who have continuously paid provident fund in full. For home buyers, because this loan involves provident fund loans, there are certain restrictions on the applicable objects.

2. The terms of commercial loans and provident fund loans must be consistent

Most banks require that borrowers applying for portfolio loans must have the same term of commercial loans and provident fund loans when setting the loan term. , because this makes it easier for banks to handle collateral.

3. If you want to repay early, you should repay the commercial loan first

Customers who have applied for a combination loan and want to repay early are best to repay the commercial loan first, because this loan has The interest rate is higher than that of provident fund loans, which can save loan costs.