I bought a house a few years ago and got a portfolio loan. As a result, I received the information from CCB, the commercial loan has been lent, and there is no news about the provident fund. How can I

I bought a house a few years ago and got a portfolio loan. As a result, I received the information from CCB, the commercial loan has been lent, and there is no news about the provident fund. How can I repay the loan? The loan is to be repaid. Hello, the three disadvantages of "portfolio loan" need to be paid attention to.

First, this time, the city provident fund is only in one bank of CCB, which has certain restrictions on the borrower's choice of bank, loan products, repayment procedures and so on.

Second, it takes a long time to handle portfolio loans. Portfolio loans involve provident fund and commercial loans, which need to be carried out according to their own processes, and commercial loans need to see mortgage registration certificate before lending, which makes portfolio loans take longer than pure commercial loans and pure provident fund.

Third, in terms of loan fees, the provident fund and commercial loans in portfolio loans are collected separately, and borrowers may increase the expenditure of loan fees.

Judging from the time of loan approval, if the borrower has complete procedures, the commercial loan can be approved on the same day, which is faster.

From the point of view of lending time, commercial loans are still the mainstay, and loans can be made within three working days after transfer, even if the process of lending provident fund loans is accelerated, it is difficult to catch up.

The specific repayment time and amount are subject to bank regulations.