1. Portfolio loans must comply with the relevant provisions of the loan bank provident fund loans and personal housing loans. 2. The maximum loan amount of portfolio loans shall not exceed 80% of the total purchase price. (1) If the employee purchases the first house with a family loan, and the construction area of the purchased house is less than 90 square meters (inclusive), the down payment of not less than 20% of the purchased house price shall be paid; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid.
(2) If an employee purchases a second house with a family loan, the down payment shall not be less than 50% of the purchased house price; (3) If an employee's family loan is used to purchase a third or above house, the individual housing provident fund loan will be suspended. Remind buyers to pay attention to the following questions at the same time. For example, in portfolio loans, the term of bank individual housing loans should be the same as that of housing provident fund loans; The same combination of loans should adopt the same guarantee method; If the borrower repays the portfolio loan monthly or in advance, the same repayment method should be adopted to repay the principal and interest of the housing provident fund loan and the bank personal housing loan in the same period and year-on-year.