Housing provident fund loan is a special housing consumption loan based on housing provident fund, which is issued to employees who pay housing provident fund for the purchase, construction, renovation and overhaul of their own houses. Self-owned housing purchased by employees includes commodity housing, affordable housing, private housing, fund-raising housing, rebuild resettlement housing and public housing.

Personal housing portfolio loan refers to the combination of the borrower's application for housing provident fund loan and the bank's application for commercial housing loan, referred to as portfolio loan.