Mixed loan means that while providing government loans, the lending country requires the borrowing country to jointly use a certain proportion of the export buyer's credit of the lending country, and take the two loans as a whole, so as to achieve the purpose of promoting and expanding the export of capital goods by providing government loans.

mixed loan, also known as portfolio loan, is a house purchase loan issued by the housing fund management center to the same borrower by using commercial credit funds and policy housing funds. It is the sum of commercial and policy loan portfolios, that is, the loan demand beyond the housing provident fund amount is solved by bank funds.

Mixed loans can also be repaid in advance, but it depends on whether the applicant wants to repay commercial loans or provident fund loans, and the relevant regulations are different for different payments. After the individual repays in advance, there are two options, one can choose to reduce the monthly repayment amount, and the other can apply for shortening the loan period.

However, mixed loans are difficult, and the main reasons for the difficulty are as follows:

1. Limited banks provide portfolio loans. For the loan portfolio model, very few banks can handle portfolio loans. Usually, the provident fund management center only cooperates with a bank, which has great limitations for borrowers to apply for portfolio loan business.

2. The formalities are complicated and require many processes. Handling a portfolio loan means that the borrower needs to handle a provident fund loan and a commercial loan at the same time, which requires a lot of preparation materials and complicated transaction procedures. Moreover, the borrower's loan funds can only be released and transferred to the designated account under the seller's name after completing the property right transfer and mortgage registration, which takes 2 to 3 months to complete. Judging from the operation process of "combined loan", the loan time is too long, which is also unwilling for the housing sales office.